Home > Meadows Bank > Performance and Condition Ratios
Meadows Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5864% | 320 |
| Cost of funding earning assets | 1.2051% | 2,787 |
| Net interest margin | 5.3812% | 213 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.5653% | 2,106 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 2.1726% | 359 |
| Return on assets (ROA) | 2.1660% | 350 |
| Pretax return on assets | 2.7660% | 262 |
| Return on Equity (ROE) | 16.1900% | 1,066 |
| Retained earnings to average equity (ytd only) | 7.9708% | 1,546 |
| Net charge-offs to loans | -0.0093% | 3,979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.4065% | 4,122 |
| Assets per employee ($millions) | 7.4679% | 1,750 |
| Cash dividends to net income (ytd only)* | 50.7655% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 1,868 |
| Loan loss allowance to noncurrent loans | 910.2798% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 2,689 |
| Noncurrent loans to loans | 0.1408% | 2,809 |
| Net loans and leases to total assets | 89.0600% | 54 |
| Net loans and leases to deposits | 107.9247% | 241 |
| Net loans and leases to core deposits | 125.4178% | 498 |
| Total domestic deposits to total assets | 82.5200% | 3,015 |
| Equity capital to assets | 13.9954% | 681 |
| Core capital (leverage) ratio | 14.1703% | 768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,188,161,200 | 861 |
| Average earning assets | $1,133,901,800 | 833 |
| Average equity | $158,968,400 | 647 |
| Average total loans | $1,041,188,600 | 705 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5502% | 292 |
| Cost of funding earning assets | 1.0423% | 2,918 |
| Net interest margin | 5.5079% | 178 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.5807% | 1,999 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 2.2311% | 358 |
| Return on assets (ROA) | 2.2223% | 360 |
| Pretax return on assets | 2.8484% | 265 |
| Return on Equity (ROE) | 16.8100% | 1,110 |
| Retained earnings to average equity (ytd only) | 5.6689% | 2,729 |
| Net charge-offs to loans | -0.0123% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.6139% | 4,101 |
| Assets per employee ($millions) | 7.1813% | 1,830 |
| Cash dividends to net income (ytd only)* | 66.2727% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 1,769 |
| Loan loss allowance to noncurrent loans | 483.2124% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 2,024 |
| Noncurrent loans to loans | 0.2735% | 2,262 |
| Net loans and leases to total assets | 88.6800% | 60 |
| Net loans and leases to deposits | 107.2871% | 265 |
| Net loans and leases to core deposits | 122.8066% | 488 |
| Total domestic deposits to total assets | 82.6600% | 3,077 |
| Equity capital to assets | 13.8226% | 673 |
| Core capital (leverage) ratio | 14.0191% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,182,751,500 | 869 |
| Average earning assets | $1,128,341,000 | 837 |
| Average equity | $156,381,500 | 650 |
| Average total loans | $1,028,622,500 | 710 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1451% | 374 |
| Cost of funding earning assets | 0.8464% | 3,082 |
| Net interest margin | 5.2987% | 214 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.5948% | 1,942 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 2.0660% | 423 |
| Return on assets (ROA) | 2.0660% | 420 |
| Pretax return on assets | 2.6487% | 296 |
| Return on Equity (ROE) | 15.8600% | 1,289 |
| Retained earnings to average equity (ytd only) | -1.0762% | 4,228 |
| Net charge-offs to loans | 0.0112% | 1,782 |
| Credit loss provision to net charge-offs | 950.8772% | 425 |
| Earnings coverage of net charge-offs (x) | 285.3158% | 469 |
| Efficiency ratio | 48.5836% | 4,028 |
| Assets per employee ($millions) | 7.0488% | 1,891 |
| Cash dividends to net income (ytd only)* | 106.7838% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 1,964 |
| Loan loss allowance to noncurrent loans | 111.5480% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.0454% | 429 |
| Noncurrent loans to loans | 1.1579% | 609 |
| Net loans and leases to total assets | 89.1100% | 51 |
| Net loans and leases to deposits | 107.2027% | 270 |
| Net loans and leases to core deposits | 116.0514% | 626 |
| Total domestic deposits to total assets | 83.1300% | 3,015 |
| Equity capital to assets | 13.3770% | 736 |
| Core capital (leverage) ratio | 13.7249% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,184,426,667 | 859 |
| Average earning assets | $1,128,508,000 | 830 |
| Average equity | $154,244,667 | 654 |
| Average total loans | $1,018,686,000 | 700 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0897% | 283 |
| Cost of funding earning assets | 0.6631% | 3,178 |
| Net interest margin | 5.4266% | 162 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.5477% | 2,110 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 2.1313% | 412 |
| Return on assets (ROA) | 2.1313% | 404 |
| Pretax return on assets | 2.7325% | 278 |
| Return on Equity (ROE) | 16.5900% | 1,245 |
| Retained earnings to average equity (ytd only) | -17.4428% | 4,576 |
| Net charge-offs to loans | -0.0156% | 4,012 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.5156% | 4,115 |
| Assets per employee ($millions) | 7.0968% | 1,901 |
| Cash dividends to net income (ytd only)* | 205.1665% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 1,955 |
| Loan loss allowance to noncurrent loans | 118.9565% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.9769% | 425 |
| Noncurrent loans to loans | 1.1084% | 642 |
| Net loans and leases to total assets | 86.9700% | 107 |
| Net loans and leases to deposits | 101.3521% | 383 |
| Net loans and leases to core deposits | 105.5918% | 852 |
| Total domestic deposits to total assets | 85.8100% | 2,649 |
| Equity capital to assets | 13.0763% | 743 |
| Core capital (leverage) ratio | 12.5770% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,195,116,500 | 866 |
| Average earning assets | $1,137,131,500 | 841 |
| Average equity | $153,576,500 | 669 |
| Average total loans | $1,003,023,500 | 721 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 551 |
| Cost of funding earning assets | 0.2422% | 3,390 |
| Net interest margin | 4.4153% | 340 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.2037% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7431% | 494 |
| Return on assets (ROA) | 1.7431% | 469 |
| Pretax return on assets | 2.2301% | 300 |
| Return on Equity (ROE) | 15.6300% | 1,116 |
| Retained earnings to average equity (ytd only) | 6.8006% | 2,321 |
| Net charge-offs to loans | 0.0102% | 1,986 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 298.2020% | 491 |
| Efficiency ratio | 49.7018% | 4,145 |
| Assets per employee ($millions) | 8.0035% | 1,321 |
| Cash dividends to net income (ytd only)* | 56.4984% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 1,820 |
| Loan loss allowance to noncurrent loans | 89.5808% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.1767% | 327 |
| Noncurrent loans to loans | 1.4704% | 445 |
| Net loans and leases to total assets | 78.9800% | 699 |
| Net loans and leases to deposits | 91.4578% | 951 |
| Net loans and leases to core deposits | 94.1250% | 1,290 |
| Total domestic deposits to total assets | 86.3500% | 2,621 |
| Equity capital to assets | 12.6409% | 776 |
| Core capital (leverage) ratio | 12.6077% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,323,786,800 | 774 |
| Average earning assets | $1,265,119,000 | 748 |
| Average equity | $147,604,400 | 686 |
| Average total loans | $967,000,200 | 708 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 739 |
| Cost of funding earning assets | 0.1940% | 3,347 |
| Net interest margin | 4.1054% | 510 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.1578% | 3,047 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.5119% | 831 |
| Return on assets (ROA) | 1.5119% | 807 |
| Pretax return on assets | 1.9388% | 534 |
| Return on Equity (ROE) | 13.9900% | 1,432 |
| Retained earnings to average equity (ytd only) | 2.0279% | 4,025 |
| Net charge-offs to loans | 0.0072% | 1,879 |
| Credit loss provision to net charge-offs | 1,113.4615% | 386 |
| Earnings coverage of net charge-offs (x) | 387.1346% | 394 |
| Efficiency ratio | 51.9455% | 4,012 |
| Assets per employee ($millions) | 8.1503% | 1,248 |
| Cash dividends to net income (ytd only)* | 85.5053% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 1,651 |
| Loan loss allowance to noncurrent loans | 116.6312% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.9066% | 523 |
| Noncurrent loans to loans | 1.1902% | 620 |
| Net loans and leases to total assets | 75.1200% | 1,001 |
| Net loans and leases to deposits | 85.7592% | 1,187 |
| Net loans and leases to core deposits | 87.2949% | 1,448 |
| Total domestic deposits to total assets | 87.5900% | 2,562 |
| Equity capital to assets | 11.5027% | 1,012 |
| Core capital (leverage) ratio | 11.3600% | 1,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,344,597,000 | 771 |
| Average earning assets | $1,287,327,500 | 749 |
| Average equity | $145,301,500 | 702 |
| Average total loans | $960,546,750 | 707 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9540% | 1,015 |
| Cost of funding earning assets | 0.1610% | 3,436 |
| Net interest margin | 3.7930% | 763 |
| Noninterest income to average assets | 0.2205% | 3,876 |
| Noninterest expense to average assets | 2.1465% | 3,014 |
| Loan and lease loss provision to assets | 0.0800% | 1,219 |
| Net operating income to assets | 1.2736% | 1,213 |
| Return on assets (ROA) | 1.2736% | 1,199 |
| Pretax return on assets | 1.6337% | 873 |
| Return on Equity (ROE) | 12.0321% | 1,661 |
| Retained earnings to average equity (ytd only) | -6.0688% | 4,573 |
| Net charge-offs to loans | 0.0109% | 1,575 |
| Credit loss provision to net charge-offs | 1,046.1538% | 389 |
| Earnings coverage of net charge-offs (x) | 224.2308% | 506 |
| Efficiency ratio | 55.6063% | 3,811 |
| Assets per employee ($millions) | 8.2714% | 1,164 |
| Cash dividends to net income (ytd only)* | 150.4385% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 1,918 |
| Loan loss allowance to noncurrent loans | 112.4393% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9721% | 493 |
| Noncurrent loans to loans | 1.2110% | 655 |
| Net loans and leases to total assets | 75.2812% | 794 |
| Net loans and leases to deposits | 85.2468% | 1,033 |
| Net loans and leases to core deposits | 86.7184% | 1,282 |
| Total domestic deposits to total assets | 88.3097% | 2,459 |
| Equity capital to assets | 10.8967% | 1,259 |
| Core capital (leverage) ratio | 10.4878% | 1,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,360,832,667 | 757 |
| Average earning assets | $1,305,820,000 | 739 |
| Average equity | $144,048,000 | 711 |
| Average total loans | $951,671,000 | 698 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7220% | 1,235 |
| Cost of funding earning assets | 0.1508% | 3,494 |
| Net interest margin | 3.5712% | 941 |
| Noninterest income to average assets | 0.1804% | 4,084 |
| Noninterest expense to average assets | 2.1323% | 3,040 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1529% | 1,369 |
| Return on assets (ROA) | 1.1529% | 1,369 |
| Pretax return on assets | 1.4781% | 1,058 |
| Return on Equity (ROE) | 11.0457% | 1,606 |
| Retained earnings to average equity (ytd only) | -25.0634% | 4,729 |
| Net charge-offs to loans | 0.0251% | 1,068 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 88.1552% | 713 |
| Efficiency ratio | 59.0600% | 3,579 |
| Assets per employee ($millions) | 8.7502% | 997 |
| Cash dividends to net income (ytd only)* | 326.9057% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 1,945 |
| Loan loss allowance to noncurrent loans | 105.0448% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.9734% | 525 |
| Noncurrent loans to loans | 1.3232% | 662 |
| Net loans and leases to total assets | 69.0616% | 1,111 |
| Net loans and leases to deposits | 77.8075% | 1,301 |
| Net loans and leases to core deposits | 79.1810% | 1,540 |
| Total domestic deposits to total assets | 88.7595% | 2,185 |
| Equity capital to assets | 10.3459% | 1,662 |
| Core capital (leverage) ratio | 10.1824% | 2,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,383,673,500 | 755 |
| Average earning assets | $1,328,972,000 | 725 |
| Average equity | $144,418,000 | 728 |
| Average total loans | $925,642,500 | 712 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1354% | 1,104 |
| Cost of funding earning assets | 0.1758% | 3,703 |
| Net interest margin | 3.9596% | 770 |
| Noninterest income to average assets | 0.3397% | 3,381 |
| Noninterest expense to average assets | 2.0216% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6748% | 672 |
| Return on assets (ROA) | 1.6748% | 702 |
| Pretax return on assets | 2.1465% | 460 |
| Return on Equity (ROE) | 15.1920% | 911 |
| Retained earnings to average equity (ytd only) | 9.0782% | 1,173 |
| Net charge-offs to loans | 0.0094% | 2,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 307.5843% | 398 |
| Efficiency ratio | 48.5016% | 4,376 |
| Assets per employee ($millions) | 9.5935% | 758 |
| Cash dividends to net income (ytd only)* | 40.2434% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 1,726 |
| Loan loss allowance to noncurrent loans | 94.7709% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.9792% | 577 |
| Noncurrent loans to loans | 1.5319% | 586 |
| Net loans and leases to total assets | 62.9908% | 1,825 |
| Net loans and leases to deposits | 70.6360% | 2,058 |
| Net loans and leases to core deposits | 71.8873% | 2,270 |
| Total domestic deposits to total assets | 89.1766% | 1,426 |
| Equity capital to assets | 10.5239% | 2,158 |
| Core capital (leverage) ratio | 10.9771% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,275,343,200 | 780 |
| Average earning assets | $1,233,071,200 | 753 |
| Average equity | $140,600,200 | 754 |
| Average total loans | $944,422,200 | 693 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2711% | 999 |
| Cost of funding earning assets | 0.1851% | 3,762 |
| Net interest margin | 4.0860% | 673 |
| Noninterest income to average assets | 0.3974% | 3,094 |
| Noninterest expense to average assets | 2.0471% | 3,531 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7871% | 680 |
| Return on assets (ROA) | 1.7871% | 715 |
| Pretax return on assets | 2.2961% | 471 |
| Return on Equity (ROE) | 16.0021% | 953 |
| Retained earnings to average equity (ytd only) | 7.7207% | 2,142 |
| Net charge-offs to loans | 0.0133% | 1,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 224.6421% | 519 |
| Efficiency ratio | 47.1339% | 4,433 |
| Assets per employee ($millions) | 8.3249% | 1,120 |
| Cash dividends to net income (ytd only)* | 51.7520% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,778 |
| Loan loss allowance to noncurrent loans | 93.4705% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 556 |
| Noncurrent loans to loans | 1.5618% | 664 |
| Net loans and leases to total assets | 70.7195% | 1,020 |
| Net loans and leases to deposits | 80.1979% | 1,274 |
| Net loans and leases to core deposits | 82.1261% | 1,562 |
| Total domestic deposits to total assets | 88.1813% | 1,728 |
| Equity capital to assets | 11.5063% | 1,673 |
| Core capital (leverage) ratio | 11.0123% | 1,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,239,221,250 | 814 |
| Average earning assets | $1,196,706,000 | 780 |
| Average equity | $138,394,750 | 775 |
| Average total loans | $953,643,000 | 703 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2324% | 1,123 |
| Cost of funding earning assets | 0.1947% | 3,807 |
| Net interest margin | 4.0377% | 770 |
| Noninterest income to average assets | 0.4902% | 2,662 |
| Noninterest expense to average assets | 2.0549% | 3,539 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8242% | 675 |
| Return on assets (ROA) | 1.8242% | 706 |
| Pretax return on assets | 2.3463% | 447 |
| Return on Equity (ROE) | 16.5047% | 861 |
| Retained earnings to average equity (ytd only) | 3.8940% | 3,552 |
| Net charge-offs to loans | 0.0200% | 1,538 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 149.1546% | 591 |
| Efficiency ratio | 46.6893% | 4,484 |
| Assets per employee ($millions) | 8.7584% | 929 |
| Cash dividends to net income (ytd only)* | 76.4068% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 1,932 |
| Loan loss allowance to noncurrent loans | 92.5364% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.1998% | 569 |
| Noncurrent loans to loans | 1.5240% | 741 |
| Net loans and leases to total assets | 70.5344% | 1,139 |
| Net loans and leases to deposits | 79.1417% | 1,505 |
| Net loans and leases to core deposits | 81.7789% | 1,740 |
| Total domestic deposits to total assets | 89.1241% | 1,217 |
| Equity capital to assets | 10.6668% | 2,249 |
| Core capital (leverage) ratio | 10.5131% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,233,275,333 | 810 |
| Average earning assets | $1,194,533,333 | 777 |
| Average equity | $136,312,667 | 778 |
| Average total loans | $970,805,333 | 694 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 835 |
| Cost of funding earning assets | 0.2138% | 3,791 |
| Net interest margin | 4.2403% | 566 |
| Noninterest income to average assets | 0.4483% | 2,833 |
| Noninterest expense to average assets | 2.0615% | 3,531 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9455% | 612 |
| Return on assets (ROA) | 1.9455% | 658 |
| Pretax return on assets | 2.4944% | 444 |
| Return on Equity (ROE) | 17.2732% | 808 |
| Retained earnings to average equity (ytd only) | -8.2184% | 4,788 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2486% | 4,513 |
| Assets per employee ($millions) | 8.3557% | 1,050 |
| Cash dividends to net income (ytd only)* | 147.5790% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 2,165 |
| Loan loss allowance to noncurrent loans | 312.4117% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 2,019 |
| Noncurrent loans to loans | 0.4346% | 2,556 |
| Net loans and leases to total assets | 77.9269% | 473 |
| Net loans and leases to deposits | 88.1613% | 813 |
| Net loans and leases to core deposits | 92.4463% | 1,087 |
| Total domestic deposits to total assets | 88.3912% | 1,658 |
| Equity capital to assets | 10.7928% | 2,012 |
| Core capital (leverage) ratio | 11.1452% | 1,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,197,409,000 | 826 |
| Average earning assets | $1,159,927,500 | 790 |
| Average equity | $134,867,500 | 778 |
| Average total loans | $989,385,000 | 682 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1096% | 400 |
| Cost of funding earning assets | 0.4856% | 3,040 |
| Net interest margin | 4.6240% | 253 |
| Noninterest income to average assets | 0.4327% | 2,945 |
| Noninterest expense to average assets | 2.2689% | 3,492 |
| Loan and lease loss provision to assets | 0.4791% | 544 |
| Net operating income to assets | 1.6601% | 556 |
| Return on assets (ROA) | 1.6601% | 600 |
| Pretax return on assets | 2.1373% | 340 |
| Return on Equity (ROE) | 13.9082% | 835 |
| Retained earnings to average equity (ytd only) | 13.9082% | 196 |
| Net charge-offs to loans | 0.0091% | 3,003 |
| Credit loss provision to net charge-offs | 6,060.7143% | 179 |
| Earnings coverage of net charge-offs (x) | 331.0000% | 323 |
| Efficiency ratio | 46.4432% | 4,695 |
| Assets per employee ($millions) | 7.8255% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 2,290 |
| Loan loss allowance to noncurrent loans | 251.8800% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.5852% | 1,803 |
| Noncurrent loans to loans | 0.5256% | 2,400 |
| Net loans and leases to total assets | 85.3553% | 116 |
| Net loans and leases to deposits | 97.6412% | 475 |
| Net loans and leases to core deposits | 105.0258% | 689 |
| Total domestic deposits to total assets | 87.4173% | 1,740 |
| Equity capital to assets | 11.7656% | 1,695 |
| Core capital (leverage) ratio | 11.8407% | 1,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,062,686,000 | 830 |
| Average earning assets | $1,023,292,400 | 803 |
| Average equity | $126,846,400 | 779 |
| Average total loans | $925,693,800 | 694 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1313% | 471 |
| Cost of funding earning assets | 0.5558% | 2,895 |
| Net interest margin | 4.5755% | 327 |
| Noninterest income to average assets | 0.3530% | 3,340 |
| Noninterest expense to average assets | 2.2157% | 3,645 |
| Loan and lease loss provision to assets | 0.4974% | 591 |
| Net operating income to assets | 1.5828% | 759 |
| Return on assets (ROA) | 1.5828% | 832 |
| Pretax return on assets | 2.0418% | 481 |
| Return on Equity (ROE) | 13.2076% | 1,051 |
| Retained earnings to average equity (ytd only) | 13.2076% | 314 |
| Net charge-offs to loans | 0.0100% | 2,743 |
| Credit loss provision to net charge-offs | 5,698.5294% | 194 |
| Earnings coverage of net charge-offs (x) | 290.9265% | 370 |
| Efficiency ratio | 46.5988% | 4,685 |
| Assets per employee ($millions) | 7.6268% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 2,718 |
| Loan loss allowance to noncurrent loans | 176.9953% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.7607% | 1,522 |
| Noncurrent loans to loans | 0.6724% | 2,103 |
| Net loans and leases to total assets | 89.9583% | 40 |
| Net loans and leases to deposits | 107.2964% | 285 |
| Net loans and leases to core deposits | 119.2945% | 428 |
| Total domestic deposits to total assets | 83.8410% | 2,871 |
| Equity capital to assets | 11.7649% | 1,832 |
| Core capital (leverage) ratio | 11.7041% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,038,812,750 | 837 |
| Average earning assets | $999,391,000 | 805 |
| Average equity | $124,491,250 | 784 |
| Average total loans | $906,659,500 | 702 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1918% | 583 |
| Cost of funding earning assets | 0.6351% | 2,784 |
| Net interest margin | 4.5567% | 444 |
| Noninterest income to average assets | 0.3403% | 3,435 |
| Noninterest expense to average assets | 2.2136% | 3,738 |
| Loan and lease loss provision to assets | 0.4306% | 911 |
| Net operating income to assets | 1.6181% | 732 |
| Return on assets (ROA) | 1.6181% | 802 |
| Pretax return on assets | 2.0745% | 474 |
| Return on Equity (ROE) | 13.4123% | 999 |
| Retained earnings to average equity (ytd only) | 13.4123% | 315 |
| Net charge-offs to loans | -0.0034% | 3,909 |
| Credit loss provision to net charge-offs | -14,553.3333% | 4,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9108% | 4,679 |
| Assets per employee ($millions) | 7.6303% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 3,316 |
| Loan loss allowance to noncurrent loans | 136.9841% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 1,603 |
| Noncurrent loans to loans | 0.7674% | 1,965 |
| Net loans and leases to total assets | 86.5660% | 114 |
| Net loans and leases to deposits | 103.6624% | 391 |
| Net loans and leases to core deposits | 116.9567% | 500 |
| Total domestic deposits to total assets | 83.5076% | 2,925 |
| Equity capital to assets | 11.1548% | 2,205 |
| Core capital (leverage) ratio | 11.7471% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,013,914,667 | 834 |
| Average earning assets | $974,265,333 | 807 |
| Average equity | $122,320,667 | 788 |
| Average total loans | $870,960,667 | 718 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4931% | 384 |
| Cost of funding earning assets | 0.8202% | 2,281 |
| Net interest margin | 4.6729% | 356 |
| Noninterest income to average assets | 0.3356% | 3,512 |
| Noninterest expense to average assets | 2.6220% | 2,918 |
| Loan and lease loss provision to assets | 0.1819% | 1,642 |
| Net operating income to assets | 1.5628% | 676 |
| Return on assets (ROA) | 1.5628% | 745 |
| Pretax return on assets | 2.0037% | 443 |
| Return on Equity (ROE) | 12.3960% | 1,012 |
| Retained earnings to average equity (ytd only) | 12.3960% | 383 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5383% | 4,355 |
| Assets per employee ($millions) | 6.4634% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 3,354 |
| Loan loss allowance to noncurrent loans | 125.1080% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.8605% | 1,554 |
| Noncurrent loans to loans | 0.8543% | 1,907 |
| Net loans and leases to total assets | 85.2426% | 185 |
| Net loans and leases to deposits | 99.7521% | 574 |
| Net loans and leases to core deposits | 114.4968% | 648 |
| Total domestic deposits to total assets | 85.4544% | 2,231 |
| Equity capital to assets | 12.9394% | 1,455 |
| Core capital (leverage) ratio | 12.5041% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $952,415,000 | 862 |
| Average earning assets | $911,470,000 | 831 |
| Average equity | $120,071,000 | 798 |
| Average total loans | $809,122,500 | 740 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9611% | 240 |
| Cost of funding earning assets | 1.0584% | 1,486 |
| Net interest margin | 4.9028% | 327 |
| Noninterest income to average assets | 0.4286% | 3,113 |
| Noninterest expense to average assets | 2.5111% | 3,418 |
| Loan and lease loss provision to assets | 0.0803% | 2,391 |
| Net operating income to assets | 1.9943% | 361 |
| Return on assets (ROA) | 1.9943% | 373 |
| Pretax return on assets | 2.5409% | 195 |
| Return on Equity (ROE) | 17.0173% | 418 |
| Retained earnings to average equity (ytd only) | 17.0173% | 56 |
| Net charge-offs to loans | 0.0102% | 3,321 |
| Credit loss provision to net charge-offs | 916.0494% | 373 |
| Earnings coverage of net charge-offs (x) | 299.0370% | 285 |
| Efficiency ratio | 48.9278% | 4,789 |
| Assets per employee ($millions) | 6.8169% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 3,339 |
| Loan loss allowance to noncurrent loans | 143.7750% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7196% | 1,802 |
| Noncurrent loans to loans | 0.7133% | 2,092 |
| Net loans and leases to total assets | 82.9092% | 439 |
| Net loans and leases to deposits | 95.0670% | 1,040 |
| Net loans and leases to core deposits | 110.8804% | 807 |
| Total domestic deposits to total assets | 87.2113% | 1,513 |
| Equity capital to assets | 12.2807% | 1,958 |
| Core capital (leverage) ratio | 12.2527% | 1,626 |
| Tier 1 risk-based capital ratio | 13.4194% | 3,568 |
| Total risk-based capital ratio | 14.3833% | 3,608 |
| Memoranda: | ||
| Average total assets | $924,095,400 | 850 |
| Average earning assets | $886,562,800 | 817 |
| Average equity | $108,295,400 | 839 |
| Average total loans | $792,890,600 | 720 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0132% | 233 |
| Cost of funding earning assets | 1.0718% | 1,464 |
| Net interest margin | 4.9415% | 323 |
| Noninterest income to average assets | 0.4033% | 3,293 |
| Noninterest expense to average assets | 2.4776% | 3,498 |
| Loan and lease loss provision to assets | 0.1057% | 1,828 |
| Net operating income to assets | 2.0025% | 395 |
| Return on assets (ROA) | 2.0025% | 412 |
| Pretax return on assets | 2.5587% | 223 |
| Return on Equity (ROE) | 17.3055% | 447 |
| Retained earnings to average equity (ytd only) | 17.3055% | 77 |
| Net charge-offs to loans | -0.0029% | 4,096 |
| Credit loss provision to net charge-offs | -4,264.7059% | 4,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1846% | 4,843 |
| Assets per employee ($millions) | 6.6476% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 3,460 |
| Loan loss allowance to noncurrent loans | 126.2951% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.8625% | 1,586 |
| Noncurrent loans to loans | 0.8072% | 1,952 |
| Net loans and leases to total assets | 85.1599% | 240 |
| Net loans and leases to deposits | 98.3498% | 784 |
| Net loans and leases to core deposits | 114.9705% | 701 |
| Total domestic deposits to total assets | 86.5888% | 1,729 |
| Equity capital to assets | 11.9086% | 2,320 |
| Core capital (leverage) ratio | 11.9329% | 1,899 |
| Tier 1 risk-based capital ratio | 12.7054% | 4,031 |
| Total risk-based capital ratio | 13.6686% | 4,071 |
| Memoranda: | ||
| Average total assets | $914,825,250 | 862 |
| Average earning assets | $877,290,000 | 827 |
| Average equity | $105,859,500 | 857 |
| Average total loans | $789,823,250 | 724 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0125% | 227 |
| Cost of funding earning assets | 1.0576% | 1,462 |
| Net interest margin | 4.9549% | 314 |
| Noninterest income to average assets | 0.3467% | 3,615 |
| Noninterest expense to average assets | 2.4971% | 3,493 |
| Loan and lease loss provision to assets | 0.1236% | 1,505 |
| Net operating income to assets | 1.9338% | 441 |
| Return on assets (ROA) | 1.9338% | 468 |
| Pretax return on assets | 2.4791% | 249 |
| Return on Equity (ROE) | 16.8840% | 483 |
| Retained earnings to average equity (ytd only) | 16.8840% | 108 |
| Net charge-offs to loans | 0.0028% | 3,072 |
| Credit loss provision to net charge-offs | 5,072.7273% | 68 |
| Earnings coverage of net charge-offs (x) | 1,068.1818% | 64 |
| Efficiency ratio | 48.9641% | 4,843 |
| Assets per employee ($millions) | 6.6740% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,567 |
| Loan loss allowance to noncurrent loans | 126.0526% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.8623% | 1,628 |
| Noncurrent loans to loans | 0.8007% | 1,994 |
| Net loans and leases to total assets | 85.4787% | 257 |
| Net loans and leases to deposits | 97.1274% | 924 |
| Net loans and leases to core deposits | 113.8371% | 783 |
| Total domestic deposits to total assets | 88.0068% | 1,098 |
| Equity capital to assets | 11.5727% | 2,551 |
| Core capital (leverage) ratio | 11.5671% | 2,112 |
| Tier 1 risk-based capital ratio | 12.1881% | 4,307 |
| Total risk-based capital ratio | 13.1349% | 4,361 |
| Memoranda: | ||
| Average total assets | $902,898,000 | 869 |
| Average earning assets | $866,129,000 | 832 |
| Average equity | $103,411,330 | 870 |
| Average total loans | $780,473,000 | 732 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9233% | 250 |
| Cost of funding earning assets | 1.0459% | 1,391 |
| Net interest margin | 4.8774% | 351 |
| Noninterest income to average assets | 0.3287% | 3,659 |
| Noninterest expense to average assets | 2.5776% | 3,274 |
| Loan and lease loss provision to assets | 0.1402% | 1,224 |
| Net operating income to assets | 1.7873% | 593 |
| Return on assets (ROA) | 1.7873% | 612 |
| Pretax return on assets | 2.2913% | 365 |
| Return on Equity (ROE) | 15.6910% | 635 |
| Retained earnings to average equity (ytd only) | 15.6910% | 238 |
| Net charge-offs to loans | 0.0068% | 2,453 |
| Credit loss provision to net charge-offs | 2,392.3077% | 185 |
| Earnings coverage of net charge-offs (x) | 414.8462% | 185 |
| Efficiency ratio | 51.4581% | 4,732 |
| Assets per employee ($millions) | 6.7826% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 3,628 |
| Loan loss allowance to noncurrent loans | 133.9613% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 1,735 |
| Noncurrent loans to loans | 0.7537% | 2,145 |
| Net loans and leases to total assets | 84.5093% | 328 |
| Net loans and leases to deposits | 95.6530% | 1,005 |
| Net loans and leases to core deposits | 111.7203% | 846 |
| Total domestic deposits to total assets | 88.3499% | 1,155 |
| Equity capital to assets | 11.2643% | 2,592 |
| Core capital (leverage) ratio | 11.5231% | 2,120 |
| Tier 1 risk-based capital ratio | 11.9461% | 4,488 |
| Total risk-based capital ratio | 12.8911% | 4,541 |
| Memoranda: | ||
| Average total assets | $887,167,500 | 887 |
| Average earning assets | $851,353,500 | 852 |
| Average equity | $101,051,500 | 880 |
| Average total loans | $767,299,000 | 750 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8499% | 219 |
| Cost of funding earning assets | 0.7688% | 1,693 |
| Net interest margin | 5.0811% | 227 |
| Noninterest income to average assets | 0.4831% | 2,927 |
| Noninterest expense to average assets | 2.7078% | 2,997 |
| Loan and lease loss provision to assets | 0.1697% | 1,182 |
| Net operating income to assets | 1.9321% | 411 |
| Return on assets (ROA) | 1.9321% | 407 |
| Pretax return on assets | 2.5128% | 203 |
| Return on Equity (ROE) | 17.5852% | 431 |
| Retained earnings to average equity (ytd only) | 17.5852% | 61 |
| Net charge-offs to loans | 0.1013% | 1,744 |
| Credit loss provision to net charge-offs | 192.9461% | 1,487 |
| Earnings coverage of net charge-offs (x) | 30.5021% | 1,578 |
| Efficiency ratio | 50.2347% | 4,926 |
| Assets per employee ($millions) | 6.3139% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 3,628 |
| Loan loss allowance to noncurrent loans | 106.8204% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.0140% | 1,351 |
| Noncurrent loans to loans | 0.9445% | 1,708 |
| Net loans and leases to total assets | 86.7954% | 185 |
| Net loans and leases to deposits | 99.9315% | 753 |
| Net loans and leases to core deposits | 117.4940% | 635 |
| Total domestic deposits to total assets | 86.8549% | 1,846 |
| Equity capital to assets | 11.5248% | 2,240 |
| Core capital (leverage) ratio | 11.0449% | 2,486 |
| Tier 1 risk-based capital ratio | 12.1694% | 4,314 |
| Total risk-based capital ratio | 13.1370% | 4,388 |
| Memoranda: | ||
| Average total assets | $822,108,200 | 932 |
| Average earning assets | $793,958,600 | 887 |
| Average equity | $90,326,000 | 931 |
| Average total loans | $713,647,000 | 774 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7584% | 236 |
| Cost of funding earning assets | 0.6637% | 2,076 |
| Net interest margin | 5.0946% | 215 |
| Noninterest income to average assets | 0.5228% | 2,726 |
| Noninterest expense to average assets | 2.7728% | 2,734 |
| Loan and lease loss provision to assets | 0.1560% | 1,254 |
| Net operating income to assets | 1.8644% | 530 |
| Return on assets (ROA) | 1.8644% | 529 |
| Pretax return on assets | 2.5101% | 231 |
| Return on Equity (ROE) | 17.1912% | 524 |
| Retained earnings to average equity (ytd only) | 17.1912% | 102 |
| Net charge-offs to loans | 0.0650% | 1,905 |
| Credit loss provision to net charge-offs | 277.2595% | 1,085 |
| Earnings coverage of net charge-offs (x) | 47.3938% | 1,208 |
| Efficiency ratio | 50.9815% | 4,881 |
| Assets per employee ($millions) | 6.3542% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 3,599 |
| Loan loss allowance to noncurrent loans | 163.8460% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6600% | 2,212 |
| Noncurrent loans to loans | 0.6274% | 2,517 |
| Net loans and leases to total assets | 84.5395% | 395 |
| Net loans and leases to deposits | 95.3583% | 1,228 |
| Net loans and leases to core deposits | 114.0710% | 813 |
| Total domestic deposits to total assets | 88.6546% | 974 |
| Equity capital to assets | 10.9501% | 2,708 |
| Core capital (leverage) ratio | 11.0374% | 2,548 |
| Tier 1 risk-based capital ratio | 11.7714% | 4,618 |
| Total risk-based capital ratio | 12.7527% | 4,675 |
| Memoranda: | ||
| Average total assets | $812,963,250 | 941 |
| Average earning assets | $784,463,750 | 893 |
| Average equity | $88,167,000 | 947 |
| Average total loans | $703,834,250 | 780 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6800% | 245 |
| Cost of funding earning assets | 0.5918% | 2,283 |
| Net interest margin | 5.0882% | 211 |
| Noninterest income to average assets | 0.5900% | 2,383 |
| Noninterest expense to average assets | 2.8523% | 2,493 |
| Loan and lease loss provision to assets | 0.0960% | 2,011 |
| Net operating income to assets | 1.9120% | 455 |
| Return on assets (ROA) | 1.9120% | 453 |
| Pretax return on assets | 2.5441% | 208 |
| Return on Equity (ROE) | 17.6914% | 456 |
| Retained earnings to average equity (ytd only) | 17.6914% | 104 |
| Net charge-offs to loans | 0.0222% | 2,434 |
| Credit loss provision to net charge-offs | 497.4026% | 716 |
| Earnings coverage of net charge-offs (x) | 136.8052% | 559 |
| Efficiency ratio | 51.9325% | 4,897 |
| Assets per employee ($millions) | 5.9835% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 3,647 |
| Loan loss allowance to noncurrent loans | 512.4026% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.7449% | 2,005 |
| Noncurrent loans to loans | 0.2010% | 4,002 |
| Net loans and leases to total assets | 86.0211% | 263 |
| Net loans and leases to deposits | 101.4817% | 697 |
| Net loans and leases to core deposits | 121.3283% | 533 |
| Total domestic deposits to total assets | 84.7652% | 2,766 |
| Equity capital to assets | 11.1615% | 2,489 |
| Core capital (leverage) ratio | 10.9728% | 2,551 |
| Tier 1 risk-based capital ratio | 11.6605% | 4,710 |
| Total risk-based capital ratio | 12.6382% | 4,749 |
| Memoranda: | ||
| Average total assets | $798,011,330 | 951 |
| Average earning assets | $768,875,000 | 914 |
| Average equity | $86,245,330 | 967 |
| Average total loans | $694,203,000 | 792 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6592% | 220 |
| Cost of funding earning assets | 0.5512% | 2,396 |
| Net interest margin | 5.1081% | 191 |
| Noninterest income to average assets | 0.4877% | 2,882 |
| Noninterest expense to average assets | 2.9105% | 2,326 |
| Loan and lease loss provision to assets | 0.0842% | 2,120 |
| Net operating income to assets | 1.8847% | 468 |
| Return on assets (ROA) | 1.8847% | 473 |
| Pretax return on assets | 2.4102% | 259 |
| Return on Equity (ROE) | 17.7343% | 442 |
| Retained earnings to average equity (ytd only) | 17.7343% | 166 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8490% | 4,815 |
| Assets per employee ($millions) | 5.9787% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 3,864 |
| Loan loss allowance to noncurrent loans | 784.4027% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.7469% | 2,080 |
| Noncurrent loans to loans | 0.1294% | 4,386 |
| Net loans and leases to total assets | 86.9364% | 195 |
| Net loans and leases to deposits | 103.1347% | 526 |
| Net loans and leases to core deposits | 121.8484% | 527 |
| Total domestic deposits to total assets | 84.2940% | 3,201 |
| Equity capital to assets | 10.8509% | 2,721 |
| Core capital (leverage) ratio | 10.6073% | 2,844 |
| Tier 1 risk-based capital ratio | 11.3700% | 4,942 |
| Total risk-based capital ratio | 12.3474% | 4,984 |
| Memoranda: | ||
| Average total assets | $793,132,000 | 969 |
| Average earning assets | $763,493,500 | 928 |
| Average equity | $84,288,500 | 991 |
| Average total loans | $690,263,000 | 796 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5854% | 234 |
| Cost of funding earning assets | 0.4497% | 2,780 |
| Net interest margin | 5.1357% | 183 |
| Noninterest income to average assets | 0.6903% | 2,005 |
| Noninterest expense to average assets | 2.9471% | 2,292 |
| Loan and lease loss provision to assets | 0.1697% | 1,296 |
| Net operating income to assets | 1.6270% | 619 |
| Return on assets (ROA) | 1.6315% | 630 |
| Pretax return on assets | 2.5124% | 174 |
| Return on Equity (ROE) | 15.5922% | 530 |
| Retained earnings to average equity (ytd only) | 15.5922% | 75 |
| Net charge-offs to loans | 0.0523% | 2,757 |
| Credit loss provision to net charge-offs | 379.4479% | 794 |
| Earnings coverage of net charge-offs (x) | 59.8221% | 959 |
| Efficiency ratio | 52.4179% | 5,078 |
| Assets per employee ($millions) | 6.0389% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 3,845 |
| Loan loss allowance to noncurrent loans | 801.5046% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.7457% | 2,104 |
| Noncurrent loans to loans | 0.1267% | 4,420 |
| Net loans and leases to total assets | 85.3525% | 306 |
| Net loans and leases to deposits | 99.3036% | 788 |
| Net loans and leases to core deposits | 115.9144% | 726 |
| Total domestic deposits to total assets | 85.9510% | 2,461 |
| Equity capital to assets | 10.4025% | 3,264 |
| Core capital (leverage) ratio | 10.3391% | 3,028 |
| Tier 1 risk-based capital ratio | 11.1235% | 5,077 |
| Total risk-based capital ratio | 12.0982% | 5,124 |
| Memoranda: | ||
| Average total assets | $728,978,600 | 1,007 |
| Average earning assets | $700,079,800 | 976 |
| Average equity | $76,275,200 | 1,058 |
| Average total loans | $623,720,600 | 840 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5833% | 231 |
| Cost of funding earning assets | 0.4317% | 2,877 |
| Net interest margin | 5.1516% | 177 |
| Noninterest income to average assets | 0.6750% | 2,107 |
| Noninterest expense to average assets | 2.9884% | 2,135 |
| Loan and lease loss provision to assets | 0.1865% | 1,052 |
| Net operating income to assets | 1.6236% | 675 |
| Return on assets (ROA) | 1.6298% | 686 |
| Pretax return on assets | 2.4554% | 224 |
| Return on Equity (ROE) | 15.5512% | 585 |
| Retained earnings to average equity (ytd only) | 15.5512% | 100 |
| Net charge-offs to loans | 0.0711% | 2,110 |
| Credit loss provision to net charge-offs | 307.0769% | 968 |
| Earnings coverage of net charge-offs (x) | 43.3449% | 1,228 |
| Efficiency ratio | 53.1651% | 4,995 |
| Assets per employee ($millions) | 5.9490% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 3,922 |
| Loan loss allowance to noncurrent loans | 537.0281% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.8120% | 2,118 |
| Noncurrent loans to loans | 0.1912% | 4,313 |
| Net loans and leases to total assets | 83.3469% | 506 |
| Net loans and leases to deposits | 96.8219% | 1,024 |
| Net loans and leases to core deposits | 108.5369% | 1,118 |
| Total domestic deposits to total assets | 86.0827% | 2,274 |
| Equity capital to assets | 10.2515% | 3,635 |
| Core capital (leverage) ratio | 10.2105% | 3,301 |
| Tier 1 risk-based capital ratio | 11.1078% | 5,183 |
| Total risk-based capital ratio | 12.0866% | 5,237 |
| Memoranda: | ||
| Average total assets | $713,449,500 | 1,031 |
| Average earning assets | $684,980,250 | 993 |
| Average equity | $74,770,500 | 1,077 |
| Average total loans | $609,114,750 | 865 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3748% | 288 |
| Cost of funding earning assets | 0.4187% | 2,903 |
| Net interest margin | 4.9561% | 239 |
| Noninterest income to average assets | 0.7798% | 1,648 |
| Noninterest expense to average assets | 3.0331% | 2,037 |
| Loan and lease loss provision to assets | 0.1174% | 1,752 |
| Net operating income to assets | 1.6125% | 680 |
| Return on assets (ROA) | 1.6223% | 685 |
| Pretax return on assets | 2.4027% | 248 |
| Return on Equity (ROE) | 15.3549% | 614 |
| Retained earnings to average equity (ytd only) | 15.3549% | 124 |
| Net charge-offs to loans | 0.0286% | 2,641 |
| Credit loss provision to net charge-offs | 478.8235% | 687 |
| Earnings coverage of net charge-offs (x) | 102.2118% | 645 |
| Efficiency ratio | 54.7618% | 4,947 |
| Assets per employee ($millions) | 5.8189% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 3,911 |
| Loan loss allowance to noncurrent loans | 300.0947% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 2,661 |
| Noncurrent loans to loans | 0.3459% | 3,799 |
| Net loans and leases to total assets | 83.0276% | 550 |
| Net loans and leases to deposits | 98.4945% | 846 |
| Net loans and leases to core deposits | 110.9329% | 958 |
| Total domestic deposits to total assets | 84.2967% | 3,089 |
| Equity capital to assets | 10.4801% | 3,375 |
| Core capital (leverage) ratio | 10.3161% | 3,122 |
| Tier 1 risk-based capital ratio | 11.2862% | 5,099 |
| Total risk-based capital ratio | 12.2739% | 5,138 |
| Memoranda: | ||
| Average total assets | $693,476,670 | 1,059 |
| Average earning assets | $665,884,330 | 1,025 |
| Average equity | $73,266,670 | 1,091 |
| Average total loans | $595,065,000 | 887 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3993% | 273 |
| Cost of funding earning assets | 0.3841% | 3,155 |
| Net interest margin | 5.0152% | 225 |
| Noninterest income to average assets | 0.6273% | 2,285 |
| Noninterest expense to average assets | 3.1431% | 1,759 |
| Loan and lease loss provision to assets | 0.1330% | 1,435 |
| Net operating income to assets | 1.5449% | 753 |
| Return on assets (ROA) | 1.5449% | 774 |
| Pretax return on assets | 2.1610% | 377 |
| Return on Equity (ROE) | 14.5599% | 711 |
| Retained earnings to average equity (ytd only) | 14.5599% | 262 |
| Net charge-offs to loans | 0.0579% | 1,753 |
| Credit loss provision to net charge-offs | 264.7059% | 853 |
| Earnings coverage of net charge-offs (x) | 45.6471% | 947 |
| Efficiency ratio | 57.8077% | 4,739 |
| Assets per employee ($millions) | 5.3995% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 4,128 |
| Loan loss allowance to noncurrent loans | 298.8344% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 2,671 |
| Noncurrent loans to loans | 0.3431% | 3,876 |
| Net loans and leases to total assets | 85.2675% | 265 |
| Net loans and leases to deposits | 101.5790% | 514 |
| Net loans and leases to core deposits | 116.8285% | 567 |
| Total domestic deposits to total assets | 83.9421% | 3,498 |
| Equity capital to assets | 10.5001% | 3,187 |
| Core capital (leverage) ratio | 10.6068% | 2,779 |
| Tier 1 risk-based capital ratio | 11.1082% | 5,256 |
| Total risk-based capital ratio | 12.0921% | 5,312 |
| Memoranda: | ||
| Average total assets | $676,534,000 | 1,083 |
| Average earning assets | $648,824,000 | 1,045 |
| Average equity | $71,786,000 | 1,110 |
| Average total loans | $587,474,500 | 895 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5061% | 249 |
| Cost of funding earning assets | 0.3267% | 3,781 |
| Net interest margin | 5.1794% | 176 |
| Noninterest income to average assets | 0.8251% | 1,661 |
| Noninterest expense to average assets | 3.2629% | 1,658 |
| Loan and lease loss provision to assets | 0.1993% | 1,166 |
| Net operating income to assets | 1.4795% | 869 |
| Return on assets (ROA) | 1.4798% | 889 |
| Pretax return on assets | 2.3489% | 251 |
| Return on Equity (ROE) | 13.1553% | 958 |
| Retained earnings to average equity (ytd only) | 13.1272% | 159 |
| Net charge-offs to loans | 0.0316% | 3,389 |
| Credit loss provision to net charge-offs | 722.8916% | 496 |
| Earnings coverage of net charge-offs (x) | 92.3916% | 644 |
| Efficiency ratio | 56.1537% | 5,053 |
| Assets per employee ($millions) | 5.1695% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.2133% | 4,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 4,032 |
| Loan loss allowance to noncurrent loans | 329.1735% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.7323% | 2,534 |
| Noncurrent loans to loans | 0.3178% | 4,010 |
| Net loans and leases to total assets | 86.6466% | 199 |
| Net loans and leases to deposits | 103.8852% | 433 |
| Net loans and leases to core deposits | 113.6592% | 716 |
| Total domestic deposits to total assets | 83.4061% | 3,625 |
| Equity capital to assets | 10.7284% | 2,891 |
| Core capital (leverage) ratio | 10.7385% | 2,610 |
| Tier 1 risk-based capital ratio | 11.2935% | 5,173 |
| Total risk-based capital ratio | 12.2962% | 5,205 |
| Memoranda: | ||
| Average total assets | $601,971,800 | 1,164 |
| Average earning assets | $579,451,400 | 1,123 |
| Average equity | $67,714,200 | 1,153 |
| Average total loans | $526,043,800 | 936 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4865% | 254 |
| Cost of funding earning assets | 0.3158% | 3,919 |
| Net interest margin | 5.1707% | 182 |
| Noninterest income to average assets | 0.9135% | 1,361 |
| Noninterest expense to average assets | 3.3427% | 1,470 |
| Loan and lease loss provision to assets | 0.2232% | 918 |
| Net operating income to assets | 1.4705% | 932 |
| Return on assets (ROA) | 1.4708% | 975 |
| Pretax return on assets | 2.3347% | 293 |
| Return on Equity (ROE) | 12.9086% | 1,084 |
| Retained earnings to average equity (ytd only) | 12.8708% | 226 |
| Net charge-offs to loans | 0.0431% | 2,780 |
| Credit loss provision to net charge-offs | 593.3735% | 619 |
| Earnings coverage of net charge-offs (x) | 67.9812% | 872 |
| Efficiency ratio | 56.6545% | 5,001 |
| Assets per employee ($millions) | 5.1620% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.2927% | 3,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 4,225 |
| Loan loss allowance to noncurrent loans | 153.7788% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.7589% | 2,652 |
| Noncurrent loans to loans | 0.6717% | 3,012 |
| Net loans and leases to total assets | 85.4212% | 296 |
| Net loans and leases to deposits | 100.2434% | 691 |
| Net loans and leases to core deposits | 108.2565% | 1,032 |
| Total domestic deposits to total assets | 85.2137% | 2,715 |
| Equity capital to assets | 10.5194% | 3,541 |
| Core capital (leverage) ratio | 10.4626% | 3,035 |
| Tier 1 risk-based capital ratio | 11.2761% | 5,215 |
| Total risk-based capital ratio | 12.2780% | 5,266 |
| Memoranda: | ||
| Average total assets | $588,332,000 | 1,184 |
| Average earning assets | $567,388,500 | 1,142 |
| Average equity | $67,034,000 | 1,174 |
| Average total loans | $513,835,750 | 955 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5288% | 242 |
| Cost of funding earning assets | 0.3067% | 4,051 |
| Net interest margin | 5.2221% | 163 |
| Noninterest income to average assets | 0.8262% | 1,622 |
| Noninterest expense to average assets | 3.4215% | 1,335 |
| Loan and lease loss provision to assets | 0.1991% | 1,083 |
| Net operating income to assets | 1.4100% | 1,049 |
| Return on assets (ROA) | 1.4104% | 1,095 |
| Pretax return on assets | 2.2391% | 343 |
| Return on Equity (ROE) | 12.0261% | 1,313 |
| Retained earnings to average equity (ytd only) | 11.9690% | 331 |
| Net charge-offs to loans | 0.0438% | 2,592 |
| Credit loss provision to net charge-offs | 518.3486% | 633 |
| Earnings coverage of net charge-offs (x) | 63.4679% | 844 |
| Efficiency ratio | 58.3980% | 4,848 |
| Assets per employee ($millions) | 5.0210% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.4746% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 4,399 |
| Loan loss allowance to noncurrent loans | 171.4511% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 2,856 |
| Noncurrent loans to loans | 0.5956% | 3,281 |
| Net loans and leases to total assets | 85.9934% | 254 |
| Net loans and leases to deposits | 99.5523% | 730 |
| Net loans and leases to core deposits | 105.8118% | 1,195 |
| Total domestic deposits to total assets | 86.3801% | 2,224 |
| Equity capital to assets | 10.7512% | 3,344 |
| Core capital (leverage) ratio | 10.0593% | 3,500 |
| Tier 1 risk-based capital ratio | 11.7152% | 5,025 |
| Total risk-based capital ratio | 12.7274% | 5,057 |
| Memoranda: | ||
| Average total assets | $567,637,670 | 1,236 |
| Average earning assets | $547,059,670 | 1,186 |
| Average equity | $66,572,000 | 1,181 |
| Average total loans | $497,984,000 | 983 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5101% | 254 |
| Cost of funding earning assets | 0.2756% | 4,437 |
| Net interest margin | 5.2345% | 166 |
| Noninterest income to average assets | 1.0081% | 1,060 |
| Noninterest expense to average assets | 3.6744% | 927 |
| Loan and lease loss provision to assets | 0.0917% | 2,152 |
| Net operating income to assets | 1.4401% | 965 |
| Return on assets (ROA) | 1.4410% | 1,006 |
| Pretax return on assets | 2.2877% | 323 |
| Return on Equity (ROE) | 11.7378% | 1,388 |
| Retained earnings to average equity (ytd only) | 11.6243% | 558 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7104% | 4,645 |
| Assets per employee ($millions) | 4.4416% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.9674% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 4,445 |
| Loan loss allowance to noncurrent loans | 119.1132% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.9738% | 2,274 |
| Noncurrent loans to loans | 0.8646% | 2,682 |
| Net loans and leases to total assets | 87.6491% | 135 |
| Net loans and leases to deposits | 101.2101% | 552 |
| Net loans and leases to core deposits | 107.3947% | 999 |
| Total domestic deposits to total assets | 86.6011% | 2,410 |
| Equity capital to assets | 11.3914% | 2,546 |
| Core capital (leverage) ratio | 11.2933% | 2,146 |
| Tier 1 risk-based capital ratio | 12.0045% | 4,913 |
| Total risk-based capital ratio | 13.0116% | 4,978 |
| Memoranda: | ||
| Average total assets | $545,173,000 | 1,276 |
| Average earning assets | $525,358,500 | 1,228 |
| Average equity | $66,929,000 | 1,170 |
| Average total loans | $480,875,000 | 1,008 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4016% | 320 |
| Cost of funding earning assets | 0.2513% | 4,776 |
| Net interest margin | 5.1503% | 198 |
| Noninterest income to average assets | 1.1477% | 896 |
| Noninterest expense to average assets | 3.3796% | 1,531 |
| Loan and lease loss provision to assets | 0.0711% | 2,852 |
| Net operating income to assets | 1.7054% | 572 |
| Return on assets (ROA) | 1.7119% | 585 |
| Pretax return on assets | 2.6758% | 158 |
| Return on Equity (ROE) | 12.8284% | 1,094 |
| Retained earnings to average equity (ytd only) | 12.6989% | 223 |
| Net charge-offs to loans | -0.0486% | 5,543 |
| Credit loss provision to net charge-offs | -170.7317% | 5,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2550% | 5,412 |
| Assets per employee ($millions) | 4.5359% | 2,986 |
| Cash dividends to net income (ytd only)* | 1.0091% | 4,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 4,218 |
| Loan loss allowance to noncurrent loans | 105.3980% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.1097% | 1,972 |
| Noncurrent loans to loans | 1.0135% | 2,315 |
| Net loans and leases to total assets | 86.8933% | 175 |
| Net loans and leases to deposits | 100.8102% | 623 |
| Net loans and leases to core deposits | 107.2802% | 1,024 |
| Total domestic deposits to total assets | 86.1949% | 2,543 |
| Equity capital to assets | 13.2102% | 1,253 |
| Core capital (leverage) ratio | 12.7737% | 1,238 |
| Tier 1 risk-based capital ratio | 14.4026% | 3,492 |
| Total risk-based capital ratio | 15.4520% | 3,521 |
| Memoranda: | ||
| Average total assets | $492,038,400 | 1,371 |
| Average earning assets | $474,690,800 | 1,301 |
| Average equity | $65,659,200 | 1,151 |
| Average total loans | $421,542,800 | 1,085 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3453% | 347 |
| Cost of funding earning assets | 0.2429% | 4,961 |
| Net interest margin | 5.1024% | 204 |
| Noninterest income to average assets | 1.0807% | 1,030 |
| Noninterest expense to average assets | 3.3793% | 1,512 |
| Loan and lease loss provision to assets | 0.0967% | 2,237 |
| Net operating income to assets | 1.6170% | 744 |
| Return on assets (ROA) | 1.6258% | 752 |
| Pretax return on assets | 2.5415% | 226 |
| Return on Equity (ROE) | 12.1500% | 1,335 |
| Retained earnings to average equity (ytd only) | 12.0178% | 364 |
| Net charge-offs to loans | -0.1546% | 5,924 |
| Credit loss provision to net charge-offs | -73.5294% | 5,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2865% | 5,314 |
| Assets per employee ($millions) | 4.8352% | 2,512 |
| Cash dividends to net income (ytd only)* | 1.0881% | 3,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 3,853 |
| Loan loss allowance to noncurrent loans | 71.4772% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.3810% | 1,668 |
| Noncurrent loans to loans | 1.6267% | 1,517 |
| Net loans and leases to total assets | 83.9060% | 388 |
| Net loans and leases to deposits | 96.6689% | 941 |
| Net loans and leases to core deposits | 103.1113% | 1,297 |
| Total domestic deposits to total assets | 86.7973% | 2,140 |
| Equity capital to assets | 12.7300% | 1,598 |
| Core capital (leverage) ratio | 12.9869% | 1,207 |
| Tier 1 risk-based capital ratio | 14.4749% | 3,589 |
| Total risk-based capital ratio | 15.6266% | 3,556 |
| Memoranda: | ||
| Average total assets | $482,372,000 | 1,401 |
| Average earning assets | $465,420,250 | 1,335 |
| Average equity | $64,547,250 | 1,180 |
| Average total loans | $410,397,250 | 1,117 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3537% | 332 |
| Cost of funding earning assets | 0.2323% | 5,119 |
| Net interest margin | 5.1214% | 204 |
| Noninterest income to average assets | 0.9629% | 1,267 |
| Noninterest expense to average assets | 3.4907% | 1,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5369% | 847 |
| Return on assets (ROA) | 1.5369% | 887 |
| Pretax return on assets | 2.4037% | 284 |
| Return on Equity (ROE) | 11.2767% | 1,595 |
| Retained earnings to average equity (ytd only) | 11.1412% | 486 |
| Net charge-offs to loans | -0.2400% | 6,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2207% | 5,087 |
| Assets per employee ($millions) | 4.5283% | 2,938 |
| Cash dividends to net income (ytd only)* | 1.2011% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 3,967 |
| Loan loss allowance to noncurrent loans | 125.3518% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.8068% | 2,966 |
| Noncurrent loans to loans | 0.9347% | 2,792 |
| Net loans and leases to total assets | 85.2959% | 277 |
| Net loans and leases to deposits | 100.2540% | 641 |
| Net loans and leases to core deposits | 104.1065% | 1,182 |
| Total domestic deposits to total assets | 85.0799% | 3,089 |
| Equity capital to assets | 13.4730% | 1,180 |
| Core capital (leverage) ratio | 13.8455% | 889 |
| Tier 1 risk-based capital ratio | 14.9107% | 3,407 |
| Total risk-based capital ratio | 16.0567% | 3,401 |
| Memoranda: | ||
| Average total assets | $465,873,000 | 1,458 |
| Average earning assets | $448,585,330 | 1,398 |
| Average equity | $63,494,000 | 1,203 |
| Average total loans | $396,689,670 | 1,163 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2751% | 367 |
| Cost of funding earning assets | 0.2358% | 5,163 |
| Net interest margin | 5.0393% | 232 |
| Noninterest income to average assets | 1.0996% | 932 |
| Noninterest expense to average assets | 3.7385% | 954 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4124% | 1,011 |
| Return on assets (ROA) | 1.4124% | 1,066 |
| Pretax return on assets | 2.2114% | 378 |
| Return on Equity (ROE) | 10.3002% | 1,871 |
| Retained earnings to average equity (ytd only) | 10.1661% | 877 |
| Net charge-offs to loans | -0.0010% | 4,324 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8332% | 4,647 |
| Assets per employee ($millions) | 4.3276% | 3,330 |
| Cash dividends to net income (ytd only)* | 1.3027% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 4,413 |
| Loan loss allowance to noncurrent loans | 224.8476% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 4,346 |
| Noncurrent loans to loans | 0.4988% | 4,082 |
| Net loans and leases to total assets | 83.4679% | 345 |
| Net loans and leases to deposits | 96.9425% | 771 |
| Net loans and leases to core deposits | 101.1376% | 1,245 |
| Total domestic deposits to total assets | 86.1005% | 2,889 |
| Equity capital to assets | 13.5854% | 1,135 |
| Core capital (leverage) ratio | 13.9012% | 853 |
| Tier 1 risk-based capital ratio | 15.3586% | 3,222 |
| Total risk-based capital ratio | 16.4585% | 3,240 |
| Memoranda: | ||
| Average total assets | $456,543,000 | 1,491 |
| Average earning assets | $439,422,000 | 1,433 |
| Average equity | $62,600,500 | 1,220 |
| Average total loans | $385,941,000 | 1,198 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8628% | 987 |
| Cost of funding earning assets | 0.2290% | 5,535 |
| Net interest margin | 4.6338% | 583 |
| Noninterest income to average assets | 1.1789% | 867 |
| Noninterest expense to average assets | 3.4363% | 1,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4468% | 988 |
| Return on assets (ROA) | 1.4468% | 1,018 |
| Pretax return on assets | 2.2043% | 314 |
| Return on Equity (ROE) | 11.2920% | 1,622 |
| Retained earnings to average equity (ytd only) | 11.1451% | 363 |
| Net charge-offs to loans | 0.0224% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 134.5270% | 401 |
| Efficiency ratio | 60.9209% | 5,086 |
| Assets per employee ($millions) | 4.2048% | 3,534 |
| Cash dividends to net income (ytd only)* | 1.3009% | 4,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 4,151 |
| Loan loss allowance to noncurrent loans | 226.4585% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4384% | 4,360 |
| Noncurrent loans to loans | 0.5178% | 4,117 |
| Net loans and leases to total assets | 83.6694% | 370 |
| Net loans and leases to deposits | 99.8001% | 633 |
| Net loans and leases to core deposits | 104.2345% | 1,114 |
| Total domestic deposits to total assets | 83.8370% | 3,792 |
| Equity capital to assets | 13.8445% | 1,015 |
| Core capital (leverage) ratio | 12.7817% | 1,216 |
| Tier 1 risk-based capital ratio | 16.2551% | 2,833 |
| Total risk-based capital ratio | 17.4292% | 2,812 |
| Memoranda: | ||
| Average total assets | $451,618,200 | 1,471 |
| Average earning assets | $434,850,400 | 1,411 |
| Average equity | $57,864,000 | 1,261 |
| Average total loans | $330,646,400 | 1,323 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 1,311 |
| Cost of funding earning assets | 0.2222% | 5,646 |
| Net interest margin | 4.4755% | 780 |
| Noninterest income to average assets | 1.2386% | 792 |
| Noninterest expense to average assets | 3.4900% | 1,479 |
| Loan and lease loss provision to assets | 0.1324% | 1,895 |
| Net operating income to assets | 1.2801% | 1,433 |
| Return on assets (ROA) | 1.2801% | 1,487 |
| Pretax return on assets | 1.9257% | 672 |
| Return on Equity (ROE) | 10.1924% | 2,124 |
| Retained earnings to average equity (ytd only) | 10.0425% | 695 |
| Net charge-offs to loans | -0.0054% | 5,311 |
| Credit loss provision to net charge-offs | -3,461.5385% | 6,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9044% | 4,749 |
| Assets per employee ($millions) | 4.5307% | 2,912 |
| Cash dividends to net income (ytd only)* | 1.4712% | 3,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 3,290 |
| Loan loss allowance to noncurrent loans | 241.6464% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 4,645 |
| Noncurrent loans to loans | 0.5686% | 4,216 |
| Net loans and leases to total assets | 73.4499% | 1,604 |
| Net loans and leases to deposits | 84.1770% | 2,125 |
| Net loans and leases to core deposits | 87.5894% | 2,472 |
| Total domestic deposits to total assets | 87.2565% | 2,173 |
| Equity capital to assets | 12.2455% | 1,873 |
| Core capital (leverage) ratio | 12.6563% | 1,328 |
| Tier 1 risk-based capital ratio | 16.1961% | 2,959 |
| Total risk-based capital ratio | 17.4475% | 2,914 |
| Memoranda: | ||
| Average total assets | $453,095,500 | 1,475 |
| Average earning assets | $436,292,250 | 1,415 |
| Average equity | $56,903,500 | 1,296 |
| Average total loans | $318,971,250 | 1,371 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 1,815 |
| Cost of funding earning assets | 0.2209% | 5,740 |
| Net interest margin | 4.2832% | 1,063 |
| Noninterest income to average assets | 0.9265% | 1,407 |
| Noninterest expense to average assets | 3.3846% | 1,713 |
| Loan and lease loss provision to assets | 0.1130% | 2,140 |
| Net operating income to assets | 1.0743% | 2,025 |
| Return on assets (ROA) | 1.0743% | 2,103 |
| Pretax return on assets | 1.5642% | 1,352 |
| Return on Equity (ROE) | 8.4767% | 2,848 |
| Retained earnings to average equity (ytd only) | 8.3233% | 1,200 |
| Net charge-offs to loans | -0.0085% | 5,290 |
| Credit loss provision to net charge-offs | -1,923.0769% | 5,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8661% | 4,222 |
| Assets per employee ($millions) | 4.3042% | 3,267 |
| Cash dividends to net income (ytd only)* | 1.8090% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 3,353 |
| Loan loss allowance to noncurrent loans | 236.9836% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.4403% | 4,684 |
| Noncurrent loans to loans | 0.5904% | 4,254 |
| Net loans and leases to total assets | 73.5329% | 1,500 |
| Net loans and leases to deposits | 84.4957% | 1,981 |
| Net loans and leases to core deposits | 87.6116% | 2,355 |
| Total domestic deposits to total assets | 87.0256% | 2,440 |
| Equity capital to assets | 12.5822% | 1,595 |
| Core capital (leverage) ratio | 12.2193% | 1,543 |
| Tier 1 risk-based capital ratio | 16.4783% | 2,838 |
| Total risk-based capital ratio | 17.7297% | 2,804 |
| Memoranda: | ||
| Average total assets | $442,533,330 | 1,514 |
| Average earning assets | $427,248,000 | 1,447 |
| Average equity | $56,083,330 | 1,300 |
| Average total loans | $304,950,670 | 1,413 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 2,489 |
| Cost of funding earning assets | 0.2200% | 5,850 |
| Net interest margin | 4.0887% | 1,495 |
| Noninterest income to average assets | 1.1568% | 829 |
| Noninterest expense to average assets | 3.5210% | 1,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1587% | 1,598 |
| Return on assets (ROA) | 1.1587% | 1,672 |
| Pretax return on assets | 1.5773% | 1,219 |
| Return on Equity (ROE) | 9.1083% | 2,412 |
| Retained earnings to average equity (ytd only) | 8.9567% | 1,262 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0618% | 3,990 |
| Assets per employee ($millions) | 4.6122% | 2,791 |
| Cash dividends to net income (ytd only)* | 1.6640% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 3,056 |
| Loan loss allowance to noncurrent loans | 800.3559% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 5,441 |
| Noncurrent loans to loans | 0.1901% | 5,524 |
| Net loans and leases to total assets | 62.4882% | 3,155 |
| Net loans and leases to deposits | 71.3461% | 3,428 |
| Net loans and leases to core deposits | 73.6961% | 3,680 |
| Total domestic deposits to total assets | 87.5846% | 2,470 |
| Equity capital to assets | 12.0451% | 1,840 |
| Core capital (leverage) ratio | 12.2587% | 1,501 |
| Tier 1 risk-based capital ratio | 18.0857% | 2,262 |
| Total risk-based capital ratio | 19.3381% | 2,232 |
| Memoranda: | ||
| Average total assets | $435,677,000 | 1,542 |
| Average earning assets | $419,989,000 | 1,472 |
| Average equity | $55,422,000 | 1,304 |
| Average total loans | $287,300,000 | 1,494 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5895% | 315 |
| Cost of funding earning assets | 0.2855% | 5,707 |
| Net interest margin | 5.3040% | 185 |
| Noninterest income to average assets | 1.2028% | 973 |
| Noninterest expense to average assets | 4.3920% | 578 |
| Loan and lease loss provision to assets | 0.1784% | 2,071 |
| Net operating income to assets | 0.9531% | 2,560 |
| Return on assets (ROA) | 0.9531% | 2,626 |
| Pretax return on assets | 1.6752% | 1,002 |
| Return on Equity (ROE) | 5.8809% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.7205% | 2,148 |
| Net charge-offs to loans | 0.0827% | 4,057 |
| Credit loss provision to net charge-offs | 271.1628% | 833 |
| Earnings coverage of net charge-offs (x) | 28.1767% | 1,245 |
| Efficiency ratio | 70.3214% | 3,786 |
| Assets per employee ($millions) | 4.1380% | 3,555 |
| Cash dividends to net income (ytd only)* | 2.7287% | 4,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6121% | 2,709 |
| Loan loss allowance to noncurrent loans | 2,570.2857% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 5,605 |
| Noncurrent loans to loans | 0.0627% | 6,037 |
| Net loans and leases to total assets | 67.6940% | 2,409 |
| Net loans and leases to deposits | 78.7550% | 2,624 |
| Net loans and leases to core deposits | 81.8099% | 2,916 |
| Total domestic deposits to total assets | 85.9551% | 3,281 |
| Equity capital to assets | 13.4972% | 1,069 |
| Core capital (leverage) ratio | 12.6655% | 1,276 |
| Tier 1 risk-based capital ratio | 17.8204% | 2,301 |
| Total risk-based capital ratio | 19.0732% | 2,268 |
| Memoranda: | ||
| Average total assets | $326,819,400 | 1,971 |
| Average earning assets | $310,727,600 | 1,907 |
| Average equity | $52,967,800 | 1,339 |
| Average total loans | $260,068,000 | 1,593 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5737% | 332 |
| Cost of funding earning assets | 0.3010% | 5,731 |
| Net interest margin | 5.2728% | 196 |
| Noninterest income to average assets | 1.4972% | 653 |
| Noninterest expense to average assets | 4.6505% | 459 |
| Loan and lease loss provision to assets | 0.2097% | 1,734 |
| Net operating income to assets | 0.9416% | 2,633 |
| Return on assets (ROA) | 0.9416% | 2,742 |
| Pretax return on assets | 1.6335% | 1,256 |
| Return on Equity (ROE) | 5.5057% | 4,471 |
| Retained earnings to average equity (ytd only) | 5.3432% | 2,837 |
| Net charge-offs to loans | 0.0715% | 3,911 |
| Credit loss provision to net charge-offs | 352.5547% | 742 |
| Earnings coverage of net charge-offs (x) | 30.9930% | 1,211 |
| Efficiency ratio | 71.6157% | 3,480 |
| Assets per employee ($millions) | 3.2649% | 5,349 |
| Cash dividends to net income (ytd only)* | 2.9506% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6197% | 2,913 |
| Loan loss allowance to noncurrent loans | 157.9951% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 1.3752% | 2,899 |
| Noncurrent loans to loans | 1.0252% | 3,750 |
| Net loans and leases to total assets | 84.1127% | 240 |
| Net loans and leases to deposits | 101.5729% | 405 |
| Net loans and leases to core deposits | 106.3417% | 742 |
| Total domestic deposits to total assets | 82.8102% | 4,648 |
| Equity capital to assets | 16.6567% | 457 |
| Core capital (leverage) ratio | 17.0489% | 387 |
| Tier 1 risk-based capital ratio | 18.4705% | 2,155 |
| Total risk-based capital ratio | 19.7240% | 2,121 |
| Memoranda: | ||
| Average total assets | $307,143,750 | 2,103 |
| Average earning assets | $291,048,500 | 2,043 |
| Average equity | $52,526,250 | 1,364 |
| Average total loans | $255,332,000 | 1,628 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4990% | 372 |
| Cost of funding earning assets | 0.3122% | 5,738 |
| Net interest margin | 5.1869% | 211 |
| Noninterest income to average assets | 1.1352% | 1,181 |
| Noninterest expense to average assets | 4.5595% | 496 |
| Loan and lease loss provision to assets | 0.1551% | 2,378 |
| Net operating income to assets | 0.7336% | 3,647 |
| Return on assets (ROA) | 0.7336% | 3,806 |
| Pretax return on assets | 1.3539% | 2,104 |
| Return on Equity (ROE) | 4.2504% | 5,112 |
| Retained earnings to average equity (ytd only) | 4.0892% | 3,693 |
| Net charge-offs to loans | 0.1152% | 3,211 |
| Credit loss provision to net charge-offs | 163.6364% | 1,436 |
| Earnings coverage of net charge-offs (x) | 15.9231% | 1,694 |
| Efficiency ratio | 75.1338% | 2,929 |
| Assets per employee ($millions) | 3.1252% | 5,630 |
| Cash dividends to net income (ytd only)* | 3.7940% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6377% | 3,020 |
| Loan loss allowance to noncurrent loans | 102.1786% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.6229% | 2,674 |
| Noncurrent loans to loans | 1.6028% | 2,905 |
| Net loans and leases to total assets | 84.4981% | 208 |
| Net loans and leases to deposits | 103.1518% | 291 |
| Net loans and leases to core deposits | 108.2991% | 641 |
| Total domestic deposits to total assets | 81.9163% | 5,086 |
| Equity capital to assets | 17.5990% | 356 |
| Core capital (leverage) ratio | 17.4329% | 329 |
| Tier 1 risk-based capital ratio | 19.9849% | 1,724 |
| Total risk-based capital ratio | 21.2392% | 1,690 |
| Memoranda: | ||
| Average total assets | $301,784,670 | 2,155 |
| Average earning assets | $287,032,330 | 2,082 |
| Average equity | $52,089,000 | 1,378 |
| Average total loans | $248,327,330 | 1,669 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3778% | 447 |
| Cost of funding earning assets | 0.3326% | 5,689 |
| Net interest margin | 5.0452% | 276 |
| Noninterest income to average assets | 0.6859% | 2,671 |
| Noninterest expense to average assets | 4.3295% | 609 |
| Loan and lease loss provision to assets | 0.2207% | 1,676 |
| Net operating income to assets | 0.4427% | 4,946 |
| Return on assets (ROA) | 0.4427% | 5,106 |
| Pretax return on assets | 0.9463% | 3,580 |
| Return on Equity (ROE) | 2.5902% | 5,745 |
| Retained earnings to average equity (ytd only) | 2.4279% | 4,815 |
| Net charge-offs to loans | -0.0164% | 5,627 |
| Credit loss provision to net charge-offs | -1,670.0000% | 5,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7689% | 2,493 |
| Assets per employee ($millions) | 3.3571% | 5,318 |
| Cash dividends to net income (ytd only)* | 6.2687% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7453% | 2,818 |
| Loan loss allowance to noncurrent loans | 64.3412% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 2.1988% | 2,121 |
| Noncurrent loans to loans | 2.7126% | 1,886 |
| Net loans and leases to total assets | 77.6620% | 649 |
| Net loans and leases to deposits | 93.8221% | 678 |
| Net loans and leases to core deposits | 98.0188% | 1,077 |
| Total domestic deposits to total assets | 82.7759% | 4,925 |
| Equity capital to assets | 16.7757% | 453 |
| Core capital (leverage) ratio | 17.3226% | 326 |
| Tier 1 risk-based capital ratio | 19.9018% | 1,801 |
| Total risk-based capital ratio | 21.1566% | 1,768 |
| Memoranda: | ||
| Average total assets | $302,666,000 | 2,169 |
| Average earning assets | $288,593,000 | 2,094 |
| Average equity | $51,733,000 | 1,407 |
| Average total loans | $243,624,000 | 1,708 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3712% | 802 |
| Cost of funding earning assets | 0.4354% | 5,680 |
| Net interest margin | 4.9358% | 422 |
| Noninterest income to average assets | 1.9651% | 447 |
| Noninterest expense to average assets | 4.2728% | 702 |
| Loan and lease loss provision to assets | 0.8183% | 584 |
| Net operating income to assets | 1.0320% | 2,202 |
| Return on assets (ROA) | 1.0348% | 2,393 |
| Pretax return on assets | 1.6066% | 1,363 |
| Return on Equity (ROE) | 5.6265% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.4209% | 2,431 |
| Net charge-offs to loans | 0.8333% | 1,391 |
| Credit loss provision to net charge-offs | 126.6935% | 2,229 |
| Earnings coverage of net charge-offs (x) | 3.7474% | 3,620 |
| Efficiency ratio | 63.8378% | 4,916 |
| Assets per employee ($millions) | 3.2569% | 5,499 |
| Cash dividends to net income (ytd only)* | 3.6546% | 4,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7175% | 2,872 |
| Loan loss allowance to noncurrent loans | 75.9470% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.9136% | 2,554 |
| Noncurrent loans to loans | 2.2614% | 2,391 |
| Net loans and leases to total assets | 80.6294% | 410 |
| Net loans and leases to deposits | 98.3189% | 488 |
| Net loans and leases to core deposits | 102.9862% | 836 |
| Total domestic deposits to total assets | 82.0080% | 5,092 |
| Equity capital to assets | 17.4298% | 375 |
| Core capital (leverage) ratio | 16.4828% | 396 |
| Tier 1 risk-based capital ratio | 19.6974% | 1,753 |
| Total risk-based capital ratio | 20.9519% | 1,725 |
| Memoranda: | ||
| Average total assets | $269,703,800 | 2,345 |
| Average earning assets | $258,359,800 | 2,258 |
| Average equity | $49,604,400 | 1,429 |
| Average total loans | $209,053,200 | 1,927 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3725% | 882 |
| Cost of funding earning assets | 0.4523% | 5,774 |
| Net interest margin | 4.9202% | 454 |
| Noninterest income to average assets | 2.1168% | 394 |
| Noninterest expense to average assets | 4.1189% | 804 |
| Loan and lease loss provision to assets | 0.9495% | 450 |
| Net operating income to assets | 1.1677% | 1,840 |
| Return on assets (ROA) | 1.1713% | 2,020 |
| Pretax return on assets | 1.7702% | 1,117 |
| Return on Equity (ROE) | 6.2775% | 4,184 |
| Retained earnings to average equity (ytd only) | 6.0581% | 2,667 |
| Net charge-offs to loans | 0.2770% | 3,064 |
| Credit loss provision to net charge-offs | 449.5215% | 599 |
| Earnings coverage of net charge-offs (x) | 12.8493% | 1,965 |
| Efficiency ratio | 60.2795% | 5,454 |
| Assets per employee ($millions) | 3.6133% | 4,730 |
| Cash dividends to net income (ytd only)* | 3.4945% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3337% | 1,458 |
| Loan loss allowance to noncurrent loans | 92.0122% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.8918% | 2,798 |
| Noncurrent loans to loans | 2.5363% | 2,251 |
| Net loans and leases to total assets | 70.6817% | 1,786 |
| Net loans and leases to deposits | 85.3045% | 1,686 |
| Net loans and leases to core deposits | 88.7705% | 2,127 |
| Total domestic deposits to total assets | 82.8581% | 4,696 |
| Equity capital to assets | 16.6866% | 505 |
| Core capital (leverage) ratio | 17.2142% | 355 |
| Tier 1 risk-based capital ratio | 21.2458% | 1,468 |
| Total risk-based capital ratio | 22.5072% | 1,436 |
| Memoranda: | ||
| Average total assets | $263,850,000 | 2,423 |
| Average earning assets | $252,909,500 | 2,318 |
| Average equity | $49,233,000 | 1,447 |
| Average total loans | $201,199,000 | 2,017 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4477% | 801 |
| Cost of funding earning assets | 0.4565% | 5,928 |
| Net interest margin | 4.9912% | 410 |
| Noninterest income to average assets | 1.5018% | 650 |
| Noninterest expense to average assets | 4.0043% | 936 |
| Loan and lease loss provision to assets | 0.8507% | 573 |
| Net operating income to assets | 0.9449% | 2,682 |
| Return on assets (ROA) | 0.9496% | 2,920 |
| Pretax return on assets | 1.4348% | 2,070 |
| Return on Equity (ROE) | 4.8808% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.6389% | 3,524 |
| Net charge-offs to loans | -0.0133% | 6,341 |
| Credit loss provision to net charge-offs | -8,200.0000% | 6,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7368% | 4,940 |
| Assets per employee ($millions) | 3.5075% | 4,964 |
| Cash dividends to net income (ytd only)* | 4.9580% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1919% | 1,788 |
| Loan loss allowance to noncurrent loans | 105.1418% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 1.7117% | 3,157 |
| Noncurrent loans to loans | 2.0847% | 2,844 |
| Net loans and leases to total assets | 77.3770% | 799 |
| Net loans and leases to deposits | 95.2842% | 675 |
| Net loans and leases to core deposits | 98.9021% | 1,180 |
| Total domestic deposits to total assets | 81.2066% | 5,392 |
| Equity capital to assets | 18.0576% | 336 |
| Core capital (leverage) ratio | 18.7716% | 256 |
| Tier 1 risk-based capital ratio | 21.6078% | 1,369 |
| Total risk-based capital ratio | 22.8682% | 1,341 |
| Memoranda: | ||
| Average total assets | $250,629,000 | 2,546 |
| Average earning assets | $240,063,670 | 2,434 |
| Average equity | $48,762,000 | 1,450 |
| Average total loans | $195,047,330 | 2,072 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4683% | 798 |
| Cost of funding earning assets | 0.4544% | 6,118 |
| Net interest margin | 5.0139% | 390 |
| Noninterest income to average assets | 1.2243% | 955 |
| Noninterest expense to average assets | 3.7851% | 1,231 |
| Loan and lease loss provision to assets | 0.6506% | 841 |
| Net operating income to assets | 1.0459% | 2,302 |
| Return on assets (ROA) | 1.0470% | 2,488 |
| Pretax return on assets | 1.5890% | 1,605 |
| Return on Equity (ROE) | 5.1691% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.9957% | 3,562 |
| Net charge-offs to loans | -0.0022% | 5,726 |
| Credit loss provision to net charge-offs | -38,900.0000% | 6,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8437% | 5,129 |
| Assets per employee ($millions) | 3.6509% | 4,763 |
| Cash dividends to net income (ytd only)* | 3.3546% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1563% | 1,973 |
| Loan loss allowance to noncurrent loans | 88.2865% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.9771% | 2,933 |
| Noncurrent loans to loans | 2.4424% | 2,671 |
| Net loans and leases to total assets | 76.3620% | 765 |
| Net loans and leases to deposits | 96.5317% | 509 |
| Net loans and leases to core deposits | 100.7336% | 943 |
| Total domestic deposits to total assets | 79.1056% | 6,051 |
| Equity capital to assets | 20.2466% | 215 |
| Core capital (leverage) ratio | 20.2868% | 188 |
| Tier 1 risk-based capital ratio | 24.1782% | 989 |
| Total risk-based capital ratio | 25.4379% | 975 |
| Memoranda: | ||
| Average total assets | $239,151,000 | 2,679 |
| Average earning assets | $228,884,000 | 2,549 |
| Average equity | $48,441,500 | 1,454 |
| Average total loans | $184,353,000 | 2,181 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4495% | 1,299 |
| Cost of funding earning assets | 0.5288% | 6,422 |
| Net interest margin | 4.9207% | 487 |
| Noninterest income to average assets | 1.5650% | 549 |
| Noninterest expense to average assets | 3.7550% | 1,428 |
| Loan and lease loss provision to assets | 1.4370% | 532 |
| Net operating income to assets | 1.1067% | 1,803 |
| Return on assets (ROA) | 1.1155% | 1,898 |
| Pretax return on assets | 1.0051% | 3,229 |
| Return on Equity (ROE) | 6.0845% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.0291% | 1,999 |
| Net charge-offs to loans | 1.6729% | 923 |
| Credit loss provision to net charge-offs | 119.3690% | 2,673 |
| Earnings coverage of net charge-offs (x) | 2.0213% | 4,259 |
| Efficiency ratio | 60.6794% | 5,650 |
| Assets per employee ($millions) | 3.7673% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.9105% | 4,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0288% | 2,189 |
| Loan loss allowance to noncurrent loans | 88.3345% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.8202% | 3,230 |
| Noncurrent loans to loans | 2.2967% | 2,858 |
| Net loans and leases to total assets | 74.5693% | 1,162 |
| Net loans and leases to deposits | 94.3216% | 791 |
| Net loans and leases to core deposits | 97.9392% | 1,333 |
| Total domestic deposits to total assets | 79.0586% | 5,984 |
| Equity capital to assets | 20.2648% | 218 |
| Core capital (leverage) ratio | 19.7071% | 213 |
| Tier 1 risk-based capital ratio | 24.0529% | 963 |
| Total risk-based capital ratio | 25.3103% | 948 |
| Memoranda: | ||
| Average total assets | $226,446,600 | 2,767 |
| Average earning assets | $212,752,200 | 2,702 |
| Average equity | $41,515,600 | 1,617 |
| Average total loans | $162,952,200 | 2,460 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4119% | 1,478 |
| Cost of funding earning assets | 0.5428% | 6,539 |
| Net interest margin | 4.8691% | 544 |
| Noninterest income to average assets | 1.8147% | 438 |
| Noninterest expense to average assets | 3.6824% | 1,530 |
| Loan and lease loss provision to assets | 1.5954% | 410 |
| Net operating income to assets | 1.0918% | 2,002 |
| Return on assets (ROA) | 1.1007% | 2,110 |
| Pretax return on assets | 1.1007% | 3,009 |
| Return on Equity (ROE) | 6.1766% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.1766% | 2,444 |
| Net charge-offs to loans | 0.6140% | 2,409 |
| Credit loss provision to net charge-offs | 366.7123% | 778 |
| Earnings coverage of net charge-offs (x) | 6.1767% | 2,602 |
| Efficiency ratio | 57.8125% | 6,043 |
| Assets per employee ($millions) | 4.0846% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9547% | 896 |
| Loan loss allowance to noncurrent loans | 156.0467% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 1.3762% | 4,065 |
| Noncurrent loans to loans | 1.8935% | 3,512 |
| Net loans and leases to total assets | 67.0174% | 2,674 |
| Net loans and leases to deposits | 83.3922% | 2,110 |
| Net loans and leases to core deposits | 86.2163% | 2,748 |
| Total domestic deposits to total assets | 80.3642% | 5,629 |
| Equity capital to assets | 19.0892% | 311 |
| Core capital (leverage) ratio | 20.2617% | 209 |
| Tier 1 risk-based capital ratio | 26.5220% | 785 |
| Total risk-based capital ratio | 27.7917% | 760 |
| Memoranda: | ||
| Average total assets | $223,722,500 | 2,806 |
| Average earning assets | $209,286,500 | 2,744 |
| Average equity | $39,870,250 | 1,689 |
| Average total loans | $158,527,750 | 2,540 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5668% | 1,134 |
| Cost of funding earning assets | 0.5636% | 6,616 |
| Net interest margin | 5.0033% | 392 |
| Noninterest income to average assets | 2.0581% | 348 |
| Noninterest expense to average assets | 3.7660% | 1,409 |
| Loan and lease loss provision to assets | 1.5573% | 451 |
| Net operating income to assets | 1.3873% | 1,109 |
| Return on assets (ROA) | 1.3873% | 1,179 |
| Pretax return on assets | 1.3873% | 1,830 |
| Return on Equity (ROE) | 8.0041% | 2,946 |
| Retained earnings to average equity (ytd only) | 8.0041% | 1,462 |
| Net charge-offs to loans | 0.9532% | 1,640 |
| Credit loss provision to net charge-offs | 228.3379% | 1,318 |
| Earnings coverage of net charge-offs (x) | 4.3174% | 2,895 |
| Efficiency ratio | 56.1202% | 6,410 |
| Assets per employee ($millions) | 4.0084% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5914% | 1,323 |
| Loan loss allowance to noncurrent loans | 114.4501% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 1.6065% | 3,788 |
| Noncurrent loans to loans | 2.2642% | 3,145 |
| Net loans and leases to total assets | 65.9508% | 3,039 |
| Net loans and leases to deposits | 79.5256% | 2,881 |
| Net loans and leases to core deposits | 82.1966% | 3,469 |
| Total domestic deposits to total assets | 82.9302% | 4,785 |
| Equity capital to assets | 16.5502% | 536 |
| Core capital (leverage) ratio | 18.0457% | 328 |
| Tier 1 risk-based capital ratio | 22.8958% | 1,134 |
| Total risk-based capital ratio | 24.1606% | 1,116 |
| Memoranda: | ||
| Average total assets | $215,242,670 | 2,908 |
| Average earning assets | $200,149,670 | 2,873 |
| Average equity | $37,306,000 | 1,796 |
| Average total loans | $154,015,000 | 2,622 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6807% | 918 |
| Cost of funding earning assets | 0.6344% | 6,454 |
| Net interest margin | 5.0463% | 345 |
| Noninterest income to average assets | 2.2592% | 310 |
| Noninterest expense to average assets | 3.8583% | 1,237 |
| Loan and lease loss provision to assets | 1.5352% | 411 |
| Net operating income to assets | 1.5778% | 723 |
| Return on assets (ROA) | 1.5778% | 767 |
| Pretax return on assets | 1.5778% | 1,236 |
| Return on Equity (ROE) | 8.8779% | 2,519 |
| Retained earnings to average equity (ytd only) | 8.8779% | 1,416 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3457% | 6,580 |
| Assets per employee ($millions) | 3.9645% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4847% | 1,481 |
| Loan loss allowance to noncurrent loans | 134.9588% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 1.4125% | 4,161 |
| Noncurrent loans to loans | 1.8411% | 3,772 |
| Net loans and leases to total assets | 74.8174% | 1,217 |
| Net loans and leases to deposits | 91.8341% | 1,036 |
| Net loans and leases to core deposits | 95.8340% | 1,686 |
| Total domestic deposits to total assets | 81.4702% | 5,504 |
| Equity capital to assets | 18.0370% | 366 |
| Core capital (leverage) ratio | 18.4798% | 304 |
| Tier 1 risk-based capital ratio | 22.3943% | 1,163 |
| Total risk-based capital ratio | 23.6579% | 1,138 |
| Memoranda: | ||
| Average total assets | $206,620,500 | 3,027 |
| Average earning assets | $192,934,500 | 2,973 |
| Average equity | $36,720,500 | 1,811 |
| Average total loans | $152,319,500 | 2,679 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4063% | 2,644 |
| Cost of funding earning assets | 0.8739% | 6,279 |
| Net interest margin | 4.5325% | 1,166 |
| Noninterest income to average assets | 0.4696% | 4,382 |
| Noninterest expense to average assets | 3.7421% | 1,603 |
| Loan and lease loss provision to assets | 1.3160% | 1,156 |
| Net operating income to assets | 0.1650% | 5,391 |
| Return on assets (ROA) | 0.1878% | 5,484 |
| Pretax return on assets | -0.2450% | 6,119 |
| Return on Equity (ROE) | 0.9265% | 5,721 |
| Retained earnings to average equity (ytd only) | 0.9265% | 5,089 |
| Net charge-offs to loans | 0.4984% | 3,632 |
| Credit loss provision to net charge-offs | 380.6874% | 657 |
| Earnings coverage of net charge-offs (x) | 2.9951% | 3,574 |
| Efficiency ratio | 78.3278% | 2,646 |
| Assets per employee ($millions) | 4.3143% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1417% | 1,980 |
| Loan loss allowance to noncurrent loans | 268.3490% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 5,901 |
| Noncurrent loans to loans | 0.7981% | 5,447 |
| Net loans and leases to total assets | 69.2139% | 2,721 |
| Net loans and leases to deposits | 85.8025% | 2,141 |
| Net loans and leases to core deposits | 89.2807% | 2,860 |
| Total domestic deposits to total assets | 80.6666% | 5,633 |
| Equity capital to assets | 17.5081% | 406 |
| Core capital (leverage) ratio | 18.1779% | 323 |
| Tier 1 risk-based capital ratio | 21.5854% | 1,234 |
| Total risk-based capital ratio | 22.8427% | 1,211 |
| Memoranda: | ||
| Average total assets | $176,745,800 | 3,426 |
| Average earning assets | $167,987,800 | 3,316 |
| Average equity | $35,834,200 | 1,844 |
| Average total loans | $122,584,800 | 3,262 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3421% | 3,154 |
| Cost of funding earning assets | 0.9259% | 6,286 |
| Net interest margin | 4.4162% | 1,481 |
| Noninterest income to average assets | 0.2900% | 5,803 |
| Noninterest expense to average assets | 3.8235% | 1,337 |
| Loan and lease loss provision to assets | 1.4660% | 916 |
| Net operating income to assets | -0.7701% | 6,780 |
| Return on assets (ROA) | -0.7251% | 6,790 |
| Pretax return on assets | -0.7251% | 6,696 |
| Return on Equity (ROE) | -3.4332% | 6,530 |
| Retained earnings to average equity (ytd only) | -3.4332% | 6,398 |
| Net charge-offs to loans | 0.3041% | 4,152 |
| Credit loss provision to net charge-offs | 699.2481% | 426 |
| Earnings coverage of net charge-offs (x) | 3.3195% | 3,492 |
| Efficiency ratio | 84.6006% | 1,771 |
| Assets per employee ($millions) | 4.1349% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1681% | 1,862 |
| Loan loss allowance to noncurrent loans | 198.6825% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.7811% | 5,541 |
| Noncurrent loans to loans | 1.0912% | 5,059 |
| Net loans and leases to total assets | 70.0281% | 2,725 |
| Net loans and leases to deposits | 87.2481% | 2,116 |
| Net loans and leases to core deposits | 90.0742% | 3,080 |
| Total domestic deposits to total assets | 80.2631% | 5,619 |
| Equity capital to assets | 18.3445% | 385 |
| Core capital (leverage) ratio | 18.8404% | 306 |
| Tier 1 risk-based capital ratio | 20.9791% | 1,362 |
| Total risk-based capital ratio | 22.2355% | 1,334 |
| Memoranda: | ||
| Average total assets | $169,160,500 | 3,596 |
| Average earning assets | $162,004,500 | 3,464 |
| Average equity | $35,728,500 | 1,874 |
| Average total loans | $116,613,500 | 3,435 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2168% | 3,867 |
| Cost of funding earning assets | 0.9546% | 6,363 |
| Net interest margin | 4.2622% | 1,915 |
| Noninterest income to average assets | 0.1878% | 6,559 |
| Noninterest expense to average assets | 4.0493% | 984 |
| Loan and lease loss provision to assets | 1.5526% | 845 |
| Net operating income to assets | -1.3261% | 7,084 |
| Return on assets (ROA) | -1.3249% | 7,097 |
| Pretax return on assets | -1.3249% | 7,018 |
| Return on Equity (ROE) | -5.9573% | 6,772 |
| Retained earnings to average equity (ytd only) | -5.9573% | 6,654 |
| Net charge-offs to loans | 0.4876% | 3,078 |
| Credit loss provision to net charge-offs | 469.1729% | 785 |
| Earnings coverage of net charge-offs (x) | 0.6842% | 5,061 |
| Efficiency ratio | 94.7047% | 1,027 |
| Assets per employee ($millions) | 4.1335% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9338% | 2,335 |
| Loan loss allowance to noncurrent loans | 855.5160% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 7,020 |
| Noncurrent loans to loans | 0.2260% | 6,789 |
| Net loans and leases to total assets | 64.1177% | 4,243 |
| Net loans and leases to deposits | 79.9567% | 3,604 |
| Net loans and leases to core deposits | 82.1440% | 4,396 |
| Total domestic deposits to total assets | 80.1905% | 5,673 |
| Equity capital to assets | 18.6567% | 367 |
| Core capital (leverage) ratio | 20.5098% | 220 |
| Tier 1 risk-based capital ratio | 22.3197% | 1,154 |
| Total risk-based capital ratio | 23.5733% | 1,130 |
| Memoranda: | ||
| Average total assets | $160,766,670 | 3,775 |
| Average earning assets | $154,192,670 | 3,633 |
| Average equity | $35,754,330 | 1,867 |
| Average total loans | $109,114,670 | 3,660 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4231% | 2,927 |
| Cost of funding earning assets | 0.9954% | 6,400 |
| Net interest margin | 4.4277% | 1,302 |
| Noninterest income to average assets | 0.2108% | 6,453 |
| Noninterest expense to average assets | 4.0854% | 921 |
| Loan and lease loss provision to assets | 2.0811% | 529 |
| Net operating income to assets | -1.7169% | 7,390 |
| Return on assets (ROA) | -1.7141% | 7,396 |
| Pretax return on assets | -1.7141% | 7,323 |
| Return on Equity (ROE) | -6.9760% | 6,989 |
| Retained earnings to average equity (ytd only) | -6.9760% | 6,737 |
| Net charge-offs to loans | 1.0639% | 1,569 |
| Credit loss provision to net charge-offs | 281.4815% | 1,405 |
| Earnings coverage of net charge-offs (x) | 0.4926% | 4,588 |
| Efficiency ratio | 91.8154% | 1,292 |
| Assets per employee ($millions) | 3.4441% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7264% | 2,967 |
| Loan loss allowance to noncurrent loans | 668.5315% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 7,012 |
| Noncurrent loans to loans | 0.2582% | 6,812 |
| Net loans and leases to total assets | 70.2272% | 2,874 |
| Net loans and leases to deposits | 91.8048% | 1,638 |
| Net loans and leases to core deposits | 95.9323% | 2,599 |
| Total domestic deposits to total assets | 76.4963% | 6,664 |
| Equity capital to assets | 22.9998% | 180 |
| Core capital (leverage) ratio | 24.5441% | 141 |
| Tier 1 risk-based capital ratio | 27.3382% | 684 |
| Total risk-based capital ratio | 28.5908% | 670 |
| Memoranda: | ||
| Average total assets | $146,079,500 | 4,094 |
| Average earning assets | $139,846,500 | 3,967 |
| Average equity | $35,894,500 | 1,874 |
| Average total loans | $101,513,000 | 3,901 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7797% | 6,992 |
| Cost of funding earning assets | 1.0941% | 6,996 |
| Net interest margin | 3.6856% | 4,199 |
| Noninterest income to average assets | 0.1656% | 6,889 |
| Noninterest expense to average assets | 4.4188% | 858 |
| Loan and lease loss provision to assets | 1.0066% | 2,264 |
| Net operating income to assets | -1.7416% | 6,984 |
| Return on assets (ROA) | -1.7340% | 6,986 |
| Pretax return on assets | -1.7340% | 6,833 |
| Return on Equity (ROE) | -4.9697% | 6,209 |
| Retained earnings to average equity (ytd only) | -4.9697% | 6,018 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.9538% | 607 |
| Assets per employee ($millions) | 3.6099% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 3,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 66.2300% | 4,099 |
| Net loans and leases to deposits | 90.5531% | 2,134 |
| Net loans and leases to core deposits | 97.7881% | 4,249 |
| Total domestic deposits to total assets | 73.1394% | 7,136 |
| Equity capital to assets | 26.3481% | 136 |
| Core capital (leverage) ratio | 26.0483% | 140 |
| Tier 1 risk-based capital ratio | 31.6184% | 453 |
| Total risk-based capital ratio | 32.8615% | 446 |
| Memoranda: | ||
| Average total assets | $105,706,400 | 4,936 |
| Average earning assets | $100,906,800 | 4,818 |
| Average equity | $36,883,600 | 1,823 |
| Average total loans | $65,782,200 | 5,031 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6213% | 7,387 |
| Cost of funding earning assets | 1.0225% | 7,338 |
| Net interest margin | 3.5988% | 4,488 |
| Noninterest income to average assets | 0.1635% | 7,033 |
| Noninterest expense to average assets | 4.6810% | 621 |
| Loan and lease loss provision to assets | 1.0152% | 1,892 |
| Net operating income to assets | -2.0986% | 7,358 |
| Return on assets (ROA) | -2.0891% | 7,352 |
| Pretax return on assets | -2.0891% | 7,217 |
| Return on Equity (ROE) | -5.5139% | 6,503 |
| Retained earnings to average equity (ytd only) | -5.5139% | 6,318 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.1136% | 475 |
| Assets per employee ($millions) | 4.2071% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 3,918 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 59.4039% | 5,680 |
| Net loans and leases to deposits | 83.1141% | 3,808 |
| Net loans and leases to core deposits | 87.3065% | 5,717 |
| Total domestic deposits to total assets | 71.4727% | 7,281 |
| Equity capital to assets | 27.9783% | 138 |
| Core capital (leverage) ratio | 31.0966% | 116 |
| Tier 1 risk-based capital ratio | 33.4493% | 421 |
| Total risk-based capital ratio | 34.4622% | 422 |
| Memoranda: | ||
| Average total assets | $97,839,250 | 5,179 |
| Average earning assets | $93,361,750 | 5,057 |
| Average equity | $37,068,750 | 1,832 |
| Average total loans | $59,159,500 | 5,326 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 7,667 |
| Cost of funding earning assets | 0.9646% | 7,604 |
| Net interest margin | 3.4885% | 4,851 |
| Noninterest income to average assets | 0.1817% | 6,997 |
| Noninterest expense to average assets | 5.3001% | 423 |
| Loan and lease loss provision to assets | 1.0922% | 1,571 |
| Net operating income to assets | -2.8926% | 7,650 |
| Return on assets (ROA) | -2.8788% | 7,645 |
| Pretax return on assets | -2.8788% | 7,533 |
| Return on Equity (ROE) | -6.7200% | 6,772 |
| Retained earnings to average equity (ytd only) | -6.7200% | 6,529 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.4455% | 364 |
| Assets per employee ($millions) | 3.3516% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 4,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 65.2066% | 4,720 |
| Net loans and leases to deposits | 101.9917% | 1,071 |
| Net loans and leases to core deposits | 108.0888% | 3,600 |
| Total domestic deposits to total assets | 63.9332% | 7,833 |
| Equity capital to assets | 35.3372% | 101 |
| Core capital (leverage) ratio | 38.2570% | 96 |
| Tier 1 risk-based capital ratio | 37.7863% | 356 |
| Total risk-based capital ratio | 38.6447% | 353 |
| Memoranda: | ||
| Average total assets | $86,979,330 | 5,555 |
| Average earning assets | $82,728,330 | 5,446 |
| Average equity | $37,262,000 | 1,826 |
| Average total loans | $52,687,000 | 5,650 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0801% | 7,952 |
| Cost of funding earning assets | 0.9097% | 7,802 |
| Net interest margin | 3.1704% | 5,952 |
| Noninterest income to average assets | 0.1885% | 6,944 |
| Noninterest expense to average assets | 5.7311% | 327 |
| Loan and lease loss provision to assets | 1.5639% | 805 |
| Net operating income to assets | -4.1060% | 7,985 |
| Return on assets (ROA) | -4.1009% | 7,979 |
| Pretax return on assets | -4.1009% | 7,915 |
| Return on Equity (ROE) | -8.5785% | 7,275 |
| Retained earnings to average equity (ytd only) | -8.5785% | 6,969 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.7125% | 239 |
| Assets per employee ($millions) | 2.9326% | 6,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 4,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 62.7255% | 5,204 |
| Net loans and leases to deposits | 110.0445% | 607 |
| Net loans and leases to core deposits | 121.7572% | 2,275 |
| Total domestic deposits to total assets | 57.0001% | 8,029 |
| Equity capital to assets | 42.2235% | 88 |
| Core capital (leverage) ratio | 46.3727% | 81 |
| Tier 1 risk-based capital ratio | 44.3562% | 259 |
| Total risk-based capital ratio | 45.1519% | 264 |
| Memoranda: | ||
| Average total assets | $78,519,500 | 5,871 |
| Average earning assets | $74,312,500 | 5,759 |
| Average equity | $37,535,500 | 1,818 |
| Average total loans | $44,739,500 | 6,029 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8363% | 8,186 |
| Cost of funding earning assets | 0.6403% | 8,167 |
| Net interest margin | 2.1961% | 7,963 |
| Noninterest income to average assets | 0.0504% | 7,888 |
| Noninterest expense to average assets | 7.6109% | 245 |
| Loan and lease loss provision to assets | 0.6444% | 2,257 |
| Net operating income to assets | -6.1366% | 8,160 |
| Return on assets (ROA) | -6.1366% | 8,152 |
| Pretax return on assets | -6.1366% | 8,113 |
| Return on Equity (ROE) | -8.8165% | 7,184 |
| Retained earnings to average equity (ytd only) | -8.8165% | 6,954 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 359.2184% | 78 |
| Assets per employee ($millions) | 2.3814% | 7,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 5,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 48.1770% | 7,174 |
| Net loans and leases to deposits | 109.3000% | 879 |
| Net loans and leases to core deposits | 120.8485% | 2,615 |
| Total domestic deposits to total assets | 44.0778% | 8,169 |
| Equity capital to assets | 54.9130% | 68 |
| Core capital (leverage) ratio | 57.2713% | 68 |
| Tier 1 risk-based capital ratio | 60.4168% | 152 |
| Total risk-based capital ratio | 60.9886% | 153 |
| Memoranda: | ||
| Average total assets | $55,551,750 | 6,550 |
| Average earning assets | $52,321,000 | 6,492 |
| Average equity | $38,666,250 | 1,748 |
| Average total loans | $17,319,250 | 7,502 |