Home > Mechanics Bank > Performance and Condition Ratios
Mechanics Bank, Performance and Condition Ratios
| 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 | 4.0039% | 1,708 |
| Cost of funding earning assets | 0.4938% | 1,431 |
| Net interest margin | 3.5101% | 1,901 |
| Noninterest income to average assets | 1.5000% | 346 |
| Noninterest expense to average assets | 3.4413% | 520 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.7858% | 3,375 |
| Return on assets (ROA) | 0.7860% | 3,309 |
| Pretax return on assets | 1.0368% | 2,957 |
| Return on Equity (ROE) | 8.7100% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.9543% | 1,858 |
| Net charge-offs to loans | 0.2586% | 307 |
| Credit loss provision to net charge-offs | 125.5769% | 1,431 |
| Earnings coverage of net charge-offs (x) | 7.4481% | 2,303 |
| Efficiency ratio | 73.4070% | 1,278 |
| Assets per employee ($millions) | 5.6720% | 3,062 |
| Cash dividends to net income (ytd only)* | 8.6814% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 2,494 |
| Loan loss allowance to noncurrent loans | 192.3611% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 871 |
| Noncurrent loans to loans | 0.6131% | 1,216 |
| Net loans and leases to total assets | 64.6200% | 2,184 |
| Net loans and leases to deposits | 71.6371% | 2,437 |
| Net loans and leases to core deposits | 76.4248% | 2,391 |
| Total domestic deposits to total assets | 90.2000% | 1,272 |
| Equity capital to assets | 8.6303% | 2,609 |
| Core capital (leverage) ratio | 9.5711% | 3,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $310,671,600 | 2,403 |
| Average earning assets | $281,898,000 | 2,435 |
| Average equity | $28,035,000 | 2,428 |
| Average total loans | $201,110,200 | 2,223 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8171% | 1,702 |
| Cost of funding earning assets | 0.4906% | 783 |
| Net interest margin | 3.3265% | 2,208 |
| Noninterest income to average assets | 1.0700% | 603 |
| Noninterest expense to average assets | 2.5850% | 1,748 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.0966% | 2,122 |
| Return on assets (ROA) | 1.0969% | 2,080 |
| Pretax return on assets | 1.4377% | 1,604 |
| Return on Equity (ROE) | 12.0200% | 2,023 |
| Retained earnings to average equity (ytd only) | 11.4670% | 927 |
| Net charge-offs to loans | -0.0121% | 3,780 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.0566% | 2,679 |
| Assets per employee ($millions) | 5.0675% | 3,621 |
| Cash dividends to net income (ytd only)* | 4.5850% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 2,398 |
| Loan loss allowance to noncurrent loans | 162.8025% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.7073% | 734 |
| Noncurrent loans to loans | 0.7524% | 1,082 |
| Net loans and leases to total assets | 63.5500% | 2,136 |
| Net loans and leases to deposits | 70.2713% | 2,337 |
| Net loans and leases to core deposits | 75.9049% | 2,197 |
| Total domestic deposits to total assets | 90.4400% | 1,456 |
| Equity capital to assets | 8.5227% | 2,530 |
| Core capital (leverage) ratio | 9.4078% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $307,514,000 | 2,428 |
| Average earning assets | $279,646,000 | 2,463 |
| Average equity | $28,068,250 | 2,458 |
| Average total loans | $198,537,500 | 2,239 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6714% | 1,617 |
| Cost of funding earning assets | 0.5032% | 508 |
| Net interest margin | 3.1682% | 2,295 |
| Noninterest income to average assets | 1.1831% | 486 |
| Noninterest expense to average assets | 2.6193% | 1,581 |
| Loan and lease loss provision to assets | 0.1014% | 985 |
| Net operating income to assets | 1.0196% | 2,089 |
| Return on assets (ROA) | 1.0202% | 2,055 |
| Pretax return on assets | 1.3408% | 1,611 |
| Return on Equity (ROE) | 10.9179% | 2,009 |
| Retained earnings to average equity (ytd only) | 10.0955% | 989 |
| Net charge-offs to loans | -0.0184% | 3,833 |
| Credit loss provision to net charge-offs | -850.0000% | 3,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5024% | 2,707 |
| Assets per employee ($millions) | 5.0889% | 3,599 |
| Cash dividends to net income (ytd only)* | 7.5325% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 2,327 |
| Loan loss allowance to noncurrent loans | 172.1088% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 827 |
| Noncurrent loans to loans | 0.7376% | 1,167 |
| Net loans and leases to total assets | 59.4879% | 2,383 |
| Net loans and leases to deposits | 65.6284% | 2,578 |
| Net loans and leases to core deposits | 71.1644% | 2,405 |
| Total domestic deposits to total assets | 90.6436% | 1,405 |
| Equity capital to assets | 8.3059% | 2,901 |
| Core capital (leverage) ratio | 9.7628% | 2,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,911,667 | 2,472 |
| Average earning assets | $274,225,333 | 2,512 |
| Average equity | $28,210,667 | 2,512 |
| Average total loans | $195,161,333 | 2,266 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7980% | 1,088 |
| Cost of funding earning assets | 0.5346% | 405 |
| Net interest margin | 3.2634% | 1,671 |
| Noninterest income to average assets | 1.1785% | 500 |
| Noninterest expense to average assets | 2.6423% | 1,498 |
| Loan and lease loss provision to assets | 0.1113% | 749 |
| Net operating income to assets | 0.9865% | 1,934 |
| Return on assets (ROA) | 0.9865% | 1,931 |
| Pretax return on assets | 1.3636% | 1,348 |
| Return on Equity (ROE) | 9.9234% | 1,989 |
| Retained earnings to average equity (ytd only) | 9.9234% | 1,038 |
| Net charge-offs to loans | -0.0331% | 4,122 |
| Credit loss provision to net charge-offs | -500.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1771% | 3,003 |
| Assets per employee ($millions) | 4.3969% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 2,553 |
| Loan loss allowance to noncurrent loans | 175.8053% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 768 |
| Noncurrent loans to loans | 0.7162% | 1,323 |
| Net loans and leases to total assets | 66.3691% | 1,376 |
| Net loans and leases to deposits | 74.3800% | 1,570 |
| Net loans and leases to core deposits | 81.5456% | 1,376 |
| Total domestic deposits to total assets | 89.2297% | 1,959 |
| Equity capital to assets | 9.6617% | 2,168 |
| Core capital (leverage) ratio | 10.2373% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $287,478,500 | 2,562 |
| Average earning assets | $258,871,500 | 2,615 |
| Average equity | $28,579,000 | 2,564 |
| Average total loans | $193,090,500 | 2,279 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 973 |
| Cost of funding earning assets | 0.5911% | 565 |
| Net interest margin | 3.6204% | 1,405 |
| Noninterest income to average assets | 1.7782% | 371 |
| Noninterest expense to average assets | 3.0690% | 890 |
| Loan and lease loss provision to assets | 0.0648% | 1,767 |
| Net operating income to assets | 1.4795% | 1,064 |
| Return on assets (ROA) | 1.4795% | 1,114 |
| Pretax return on assets | 1.9217% | 692 |
| Return on Equity (ROE) | 14.3347% | 1,093 |
| Retained earnings to average equity (ytd only) | 9.8635% | 950 |
| Net charge-offs to loans | 0.0039% | 2,470 |
| Credit loss provision to net charge-offs | 2,542.8571% | 262 |
| Earnings coverage of net charge-offs (x) | 779.1429% | 193 |
| Efficiency ratio | 60.7061% | 3,044 |
| Assets per employee ($millions) | 4.2501% | 4,296 |
| Cash dividends to net income (ytd only)* | 31.1915% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 2,711 |
| Loan loss allowance to noncurrent loans | 106.5944% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 785 |
| Noncurrent loans to loans | 1.1584% | 833 |
| Net loans and leases to total assets | 66.2888% | 1,440 |
| Net loans and leases to deposits | 74.7716% | 1,670 |
| Net loans and leases to core deposits | 81.8514% | 1,473 |
| Total domestic deposits to total assets | 88.6550% | 1,700 |
| Equity capital to assets | 10.2262% | 2,444 |
| Core capital (leverage) ratio | 10.3223% | 2,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,553,200 | 2,574 |
| Average earning assets | $248,537,200 | 2,624 |
| Average equity | $28,336,800 | 2,625 |
| Average total loans | $179,533,400 | 2,388 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2876% | 972 |
| Cost of funding earning assets | 0.6085% | 617 |
| Net interest margin | 3.6791% | 1,386 |
| Noninterest income to average assets | 2.0725% | 326 |
| Noninterest expense to average assets | 2.7828% | 1,384 |
| Loan and lease loss provision to assets | 0.0445% | 2,106 |
| Net operating income to assets | 1.9705% | 485 |
| Return on assets (ROA) | 1.9705% | 511 |
| Pretax return on assets | 2.5705% | 294 |
| Return on Equity (ROE) | 19.0465% | 511 |
| Retained earnings to average equity (ytd only) | 17.9236% | 200 |
| Net charge-offs to loans | 0.0023% | 2,294 |
| Credit loss provision to net charge-offs | 3,033.3333% | 236 |
| Earnings coverage of net charge-offs (x) | 1,778.3333% | 82 |
| Efficiency ratio | 51.5529% | 4,065 |
| Assets per employee ($millions) | 4.7295% | 3,936 |
| Cash dividends to net income (ytd only)* | 5.8955% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 2,867 |
| Loan loss allowance to noncurrent loans | 105.1247% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7762% | 931 |
| Noncurrent loans to loans | 1.1664% | 957 |
| Net loans and leases to total assets | 65.7348% | 1,574 |
| Net loans and leases to deposits | 74.9976% | 1,763 |
| Net loans and leases to core deposits | 82.2093% | 1,556 |
| Total domestic deposits to total assets | 87.6491% | 2,030 |
| Equity capital to assets | 10.8683% | 2,110 |
| Core capital (leverage) ratio | 10.6958% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,001,500 | 2,610 |
| Average earning assets | $245,851,500 | 2,665 |
| Average equity | $28,141,000 | 2,673 |
| Average total loans | $176,635,750 | 2,444 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4532% | 781 |
| Cost of funding earning assets | 0.6326% | 627 |
| Net interest margin | 3.8205% | 1,110 |
| Noninterest income to average assets | 0.8834% | 1,315 |
| Noninterest expense to average assets | 2.8384% | 1,272 |
| Loan and lease loss provision to assets | 0.0356% | 2,282 |
| Net operating income to assets | 1.1400% | 2,403 |
| Return on assets (ROA) | 1.1400% | 2,464 |
| Pretax return on assets | 1.4582% | 2,147 |
| Return on Equity (ROE) | 11.2139% | 2,339 |
| Retained earnings to average equity (ytd only) | 10.3457% | 1,303 |
| Net charge-offs to loans | -0.0012% | 3,106 |
| Credit loss provision to net charge-offs | -4,800.0000% | 3,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5196% | 2,222 |
| Assets per employee ($millions) | 4.2574% | 4,291 |
| Cash dividends to net income (ytd only)* | 7.7424% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 2,541 |
| Loan loss allowance to noncurrent loans | 104.2385% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 959 |
| Noncurrent loans to loans | 1.2272% | 981 |
| Net loans and leases to total assets | 62.4120% | 2,130 |
| Net loans and leases to deposits | 70.6010% | 2,349 |
| Net loans and leases to core deposits | 76.9369% | 2,147 |
| Total domestic deposits to total assets | 88.4011% | 1,618 |
| Equity capital to assets | 10.1221% | 2,747 |
| Core capital (leverage) ratio | 9.9593% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,655,000 | 2,615 |
| Average earning assets | $243,420,667 | 2,671 |
| Average equity | $27,412,333 | 2,708 |
| Average total loans | $173,613,000 | 2,482 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 815 |
| Cost of funding earning assets | 0.6778% | 596 |
| Net interest margin | 3.7916% | 1,157 |
| Noninterest income to average assets | 1.0492% | 1,060 |
| Noninterest expense to average assets | 2.8484% | 1,263 |
| Loan and lease loss provision to assets | 0.0406% | 2,241 |
| Net operating income to assets | 1.2130% | 2,095 |
| Return on assets (ROA) | 1.2130% | 2,182 |
| Pretax return on assets | 1.5737% | 1,790 |
| Return on Equity (ROE) | 11.9057% | 2,052 |
| Retained earnings to average equity (ytd only) | 11.9057% | 1,170 |
| Net charge-offs to loans | 0.0093% | 1,581 |
| Credit loss provision to net charge-offs | 675.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 268.5000% | 326 |
| Efficiency ratio | 63.8262% | 2,488 |
| Assets per employee ($millions) | 4.4172% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,605 |
| Loan loss allowance to noncurrent loans | 94.2480% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.0078% | 818 |
| Noncurrent loans to loans | 1.3389% | 963 |
| Net loans and leases to total assets | 63.2013% | 2,146 |
| Net loans and leases to deposits | 71.3705% | 2,378 |
| Net loans and leases to core deposits | 77.5830% | 2,220 |
| Total domestic deposits to total assets | 88.5539% | 1,585 |
| Equity capital to assets | 9.9837% | 2,724 |
| Core capital (leverage) ratio | 10.1321% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,116,500 | 2,624 |
| Average earning assets | $239,582,500 | 2,678 |
| Average equity | $27,113,000 | 2,726 |
| Average total loans | $172,943,500 | 2,491 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0175% | 468 |
| Cost of funding earning assets | 1.0456% | 501 |
| Net interest margin | 3.9719% | 1,040 |
| Noninterest income to average assets | 0.9677% | 1,112 |
| Noninterest expense to average assets | 3.3141% | 891 |
| Loan and lease loss provision to assets | 0.1468% | 2,538 |
| Net operating income to assets | 0.8496% | 2,899 |
| Return on assets (ROA) | 0.8626% | 2,990 |
| Pretax return on assets | 1.0904% | 2,735 |
| Return on Equity (ROE) | 7.9895% | 2,827 |
| Retained earnings to average equity (ytd only) | 3.6254% | 3,029 |
| Net charge-offs to loans | 0.0423% | 2,213 |
| Credit loss provision to net charge-offs | 505.6338% | 1,242 |
| Earnings coverage of net charge-offs (x) | 42.0423% | 1,340 |
| Efficiency ratio | 73.0790% | 1,561 |
| Assets per employee ($millions) | 4.3061% | 4,111 |
| Cash dividends to net income (ytd only)* | 54.6230% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 2,497 |
| Loan loss allowance to noncurrent loans | 58.7336% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.5563% | 455 |
| Noncurrent loans to loans | 2.1848% | 496 |
| Net loans and leases to total assets | 65.1782% | 2,205 |
| Net loans and leases to deposits | 73.8155% | 2,505 |
| Net loans and leases to core deposits | 80.4025% | 2,328 |
| Total domestic deposits to total assets | 88.2988% | 1,329 |
| Equity capital to assets | 10.4054% | 2,749 |
| Core capital (leverage) ratio | 10.2259% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,503,800 | 2,617 |
| Average earning assets | $219,591,600 | 2,673 |
| Average equity | $26,397,200 | 2,720 |
| Average total loans | $167,746,600 | 2,504 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0544% | 554 |
| Cost of funding earning assets | 1.1093% | 518 |
| Net interest margin | 3.9451% | 1,248 |
| Noninterest income to average assets | 0.9492% | 1,123 |
| Noninterest expense to average assets | 3.1513% | 1,154 |
| Loan and lease loss provision to assets | 0.0992% | 3,083 |
| Net operating income to assets | 0.9832% | 2,396 |
| Return on assets (ROA) | 1.0006% | 2,467 |
| Pretax return on assets | 1.2678% | 2,164 |
| Return on Equity (ROE) | 9.1794% | 2,322 |
| Retained earnings to average equity (ytd only) | 7.8500% | 1,360 |
| Net charge-offs to loans | 0.0351% | 2,129 |
| Credit loss provision to net charge-offs | 406.8182% | 1,448 |
| Earnings coverage of net charge-offs (x) | 55.2500% | 1,140 |
| Efficiency ratio | 70.0910% | 1,875 |
| Assets per employee ($millions) | 4.1188% | 4,223 |
| Cash dividends to net income (ytd only)* | 14.4831% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 2,940 |
| Loan loss allowance to noncurrent loans | 57.6771% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.4452% | 608 |
| Noncurrent loans to loans | 1.9933% | 608 |
| Net loans and leases to total assets | 69.6746% | 2,005 |
| Net loans and leases to deposits | 79.5624% | 2,366 |
| Net loans and leases to core deposits | 85.9891% | 2,302 |
| Total domestic deposits to total assets | 87.5723% | 1,408 |
| Equity capital to assets | 10.9304% | 2,442 |
| Core capital (leverage) ratio | 10.4880% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,038,000 | 2,618 |
| Average earning assets | $216,704,750 | 2,682 |
| Average equity | $26,275,500 | 2,713 |
| Average total loans | $167,036,250 | 2,514 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0855% | 706 |
| Cost of funding earning assets | 1.1473% | 614 |
| Net interest margin | 3.9382% | 1,472 |
| Noninterest income to average assets | 1.0209% | 946 |
| Noninterest expense to average assets | 3.2066% | 1,147 |
| Loan and lease loss provision to assets | 0.1195% | 2,826 |
| Net operating income to assets | 0.9657% | 2,442 |
| Return on assets (ROA) | 0.9923% | 2,483 |
| Pretax return on assets | 1.2616% | 2,147 |
| Return on Equity (ROE) | 9.1113% | 2,314 |
| Retained earnings to average equity (ytd only) | 8.0757% | 1,279 |
| Net charge-offs to loans | 0.0147% | 2,454 |
| Credit loss provision to net charge-offs | 1,183.3333% | 708 |
| Earnings coverage of net charge-offs (x) | 133.4167% | 576 |
| Efficiency ratio | 70.4121% | 1,904 |
| Assets per employee ($millions) | 3.8978% | 4,397 |
| Cash dividends to net income (ytd only)* | 11.3656% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 2,667 |
| Loan loss allowance to noncurrent loans | 71.3083% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.1888% | 922 |
| Noncurrent loans to loans | 1.6406% | 895 |
| Net loans and leases to total assets | 67.7876% | 2,392 |
| Net loans and leases to deposits | 77.1518% | 2,743 |
| Net loans and leases to core deposits | 83.0305% | 2,686 |
| Total domestic deposits to total assets | 87.8627% | 1,250 |
| Equity capital to assets | 10.6185% | 2,647 |
| Core capital (leverage) ratio | 10.5611% | 2,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,635,667 | 2,624 |
| Average earning assets | $213,194,000 | 2,685 |
| Average equity | $25,880,000 | 2,730 |
| Average total loans | $163,685,000 | 2,535 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1265% | 758 |
| Cost of funding earning assets | 1.1699% | 848 |
| Net interest margin | 3.9567% | 1,514 |
| Noninterest income to average assets | 1.2743% | 539 |
| Noninterest expense to average assets | 3.2380% | 1,344 |
| Loan and lease loss provision to assets | 0.1306% | 2,088 |
| Net operating income to assets | 1.0842% | 1,891 |
| Return on assets (ROA) | 1.1089% | 1,910 |
| Pretax return on assets | 1.4815% | 1,352 |
| Return on Equity (ROE) | 10.0440% | 1,737 |
| Retained earnings to average equity (ytd only) | 10.0440% | 741 |
| Net charge-offs to loans | 0.0353% | 1,707 |
| Credit loss provision to net charge-offs | 550.0000% | 831 |
| Earnings coverage of net charge-offs (x) | 64.8571% | 767 |
| Efficiency ratio | 67.1965% | 2,790 |
| Assets per employee ($millions) | 3.5264% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,564 |
| Loan loss allowance to noncurrent loans | 63.3753% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.4144% | 784 |
| Noncurrent loans to loans | 1.9244% | 754 |
| Net loans and leases to total assets | 69.3983% | 2,337 |
| Net loans and leases to deposits | 79.4913% | 2,733 |
| Net loans and leases to core deposits | 85.6361% | 2,713 |
| Total domestic deposits to total assets | 87.3031% | 1,421 |
| Equity capital to assets | 11.1460% | 2,731 |
| Core capital (leverage) ratio | 11.1114% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,774,000 | 2,631 |
| Average earning assets | $205,830,500 | 2,695 |
| Average equity | $25,368,500 | 2,755 |
| Average total loans | $158,638,000 | 2,555 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0096% | 1,452 |
| Cost of funding earning assets | 1.1974% | 1,027 |
| Net interest margin | 3.8122% | 2,464 |
| Noninterest income to average assets | 0.9928% | 985 |
| Noninterest expense to average assets | 3.3476% | 1,212 |
| Loan and lease loss provision to assets | 0.0318% | 3,379 |
| Net operating income to assets | 0.8250% | 3,471 |
| Return on assets (ROA) | 0.9096% | 3,254 |
| Pretax return on assets | 1.1600% | 2,981 |
| Return on Equity (ROE) | 8.3846% | 2,998 |
| Retained earnings to average equity (ytd only) | 3.5240% | 3,239 |
| Net charge-offs to loans | 0.1155% | 1,583 |
| Credit loss provision to net charge-offs | 40.1099% | 3,203 |
| Earnings coverage of net charge-offs (x) | 13.6868% | 2,334 |
| Efficiency ratio | 75.5280% | 1,414 |
| Assets per employee ($millions) | 3.5436% | 4,441 |
| Cash dividends to net income (ytd only)* | 57.9703% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 2,340 |
| Loan loss allowance to noncurrent loans | 75.9489% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.1544% | 1,031 |
| Noncurrent loans to loans | 1.6020% | 879 |
| Net loans and leases to total assets | 67.0072% | 2,827 |
| Net loans and leases to deposits | 76.4962% | 3,134 |
| Net loans and leases to core deposits | 82.4533% | 3,085 |
| Total domestic deposits to total assets | 87.5955% | 1,319 |
| Equity capital to assets | 10.9358% | 3,065 |
| Core capital (leverage) ratio | 10.7144% | 2,749 |
| Tier 1 risk-based capital ratio | 15.4461% | 2,600 |
| Total risk-based capital ratio | 16.6296% | 2,557 |
| Memoranda: | ||
| Average total assets | $229,659,200 | 2,580 |
| Average earning assets | $207,201,000 | 2,634 |
| Average equity | $24,914,600 | 2,721 |
| Average total loans | $157,608,400 | 2,537 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9925% | 1,562 |
| Cost of funding earning assets | 1.1863% | 1,069 |
| Net interest margin | 3.8061% | 2,575 |
| Noninterest income to average assets | 1.0231% | 894 |
| Noninterest expense to average assets | 3.1600% | 1,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0147% | 2,928 |
| Return on assets (ROA) | 1.0899% | 2,704 |
| Pretax return on assets | 1.3938% | 2,334 |
| Return on Equity (ROE) | 10.0671% | 2,402 |
| Retained earnings to average equity (ytd only) | 8.5216% | 1,199 |
| Net charge-offs to loans | 0.1232% | 1,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 15.3084% | 2,195 |
| Efficiency ratio | 70.8757% | 1,984 |
| Assets per employee ($millions) | 3.3870% | 4,605 |
| Cash dividends to net income (ytd only)* | 15.3518% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 2,564 |
| Loan loss allowance to noncurrent loans | 73.7342% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.2127% | 1,041 |
| Noncurrent loans to loans | 1.6122% | 917 |
| Net loans and leases to total assets | 66.2982% | 3,016 |
| Net loans and leases to deposits | 75.9676% | 3,294 |
| Net loans and leases to core deposits | 81.9298% | 3,254 |
| Total domestic deposits to total assets | 87.2717% | 1,392 |
| Equity capital to assets | 11.1113% | 3,000 |
| Core capital (leverage) ratio | 11.1006% | 2,557 |
| Tier 1 risk-based capital ratio | 15.8714% | 2,486 |
| Total risk-based capital ratio | 17.0313% | 2,465 |
| Memoranda: | ||
| Average total assets | $229,490,250 | 2,608 |
| Average earning assets | $207,134,000 | 2,657 |
| Average equity | $24,846,000 | 2,746 |
| Average total loans | $157,950,000 | 2,556 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8698% | 1,846 |
| Cost of funding earning assets | 1.1408% | 1,159 |
| Net interest margin | 3.7290% | 2,835 |
| Noninterest income to average assets | 1.0531% | 780 |
| Noninterest expense to average assets | 3.1830% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9647% | 3,042 |
| Return on assets (ROA) | 1.0084% | 2,964 |
| Pretax return on assets | 1.2960% | 2,572 |
| Return on Equity (ROE) | 9.3984% | 2,682 |
| Retained earnings to average equity (ytd only) | 8.2052% | 1,310 |
| Net charge-offs to loans | 0.1756% | 929 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 10.1799% | 2,281 |
| Efficiency ratio | 71.9524% | 1,930 |
| Assets per employee ($millions) | 3.3842% | 4,626 |
| Cash dividends to net income (ytd only)* | 12.6957% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 2,657 |
| Loan loss allowance to noncurrent loans | 67.4847% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.3344% | 934 |
| Noncurrent loans to loans | 1.7388% | 870 |
| Net loans and leases to total assets | 67.4442% | 2,897 |
| Net loans and leases to deposits | 77.0558% | 3,242 |
| Net loans and leases to core deposits | 83.1924% | 3,179 |
| Total domestic deposits to total assets | 87.5264% | 1,328 |
| Equity capital to assets | 10.8111% | 3,260 |
| Core capital (leverage) ratio | 10.8950% | 2,697 |
| Tier 1 risk-based capital ratio | 15.2783% | 2,725 |
| Total risk-based capital ratio | 16.4344% | 2,687 |
| Memoranda: | ||
| Average total assets | $228,087,000 | 2,626 |
| Average earning assets | $206,169,670 | 2,673 |
| Average equity | $24,472,330 | 2,769 |
| Average total loans | $158,332,330 | 2,561 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 1,881 |
| Cost of funding earning assets | 1.0954% | 1,200 |
| Net interest margin | 3.7121% | 2,848 |
| Noninterest income to average assets | 1.2459% | 529 |
| Noninterest expense to average assets | 3.1325% | 1,653 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1361% | 2,324 |
| Return on assets (ROA) | 1.2104% | 2,066 |
| Pretax return on assets | 1.5636% | 1,563 |
| Return on Equity (ROE) | 11.3261% | 1,813 |
| Retained earnings to average equity (ytd only) | 11.3261% | 743 |
| Net charge-offs to loans | 0.0507% | 1,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 41.4000% | 1,131 |
| Efficiency ratio | 68.0679% | 2,629 |
| Assets per employee ($millions) | 3.4013% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 2,268 |
| Loan loss allowance to noncurrent loans | 65.6003% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.5464% | 758 |
| Noncurrent loans to loans | 1.9220% | 787 |
| Net loans and leases to total assets | 68.3496% | 2,708 |
| Net loans and leases to deposits | 77.9929% | 3,059 |
| Net loans and leases to core deposits | 84.7823% | 2,964 |
| Total domestic deposits to total assets | 87.6357% | 1,502 |
| Equity capital to assets | 10.7578% | 3,091 |
| Core capital (leverage) ratio | 10.9388% | 2,624 |
| Tier 1 risk-based capital ratio | 15.2267% | 2,783 |
| Total risk-based capital ratio | 16.4688% | 2,692 |
| Memoranda: | ||
| Average total assets | $225,375,500 | 2,676 |
| Average earning assets | $203,768,000 | 2,727 |
| Average equity | $24,086,000 | 2,800 |
| Average total loans | $157,819,000 | 2,589 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 1,524 |
| Cost of funding earning assets | 0.8628% | 1,252 |
| Net interest margin | 3.9490% | 2,164 |
| Noninterest income to average assets | 1.0538% | 849 |
| Noninterest expense to average assets | 3.4082% | 1,136 |
| Loan and lease loss provision to assets | 0.0540% | 3,094 |
| Net operating income to assets | 0.9132% | 3,397 |
| Return on assets (ROA) | 0.8819% | 3,480 |
| Pretax return on assets | 1.1065% | 3,240 |
| Return on Equity (ROE) | 8.3510% | 3,301 |
| Retained earnings to average equity (ytd only) | 3.1417% | 3,820 |
| Net charge-offs to loans | -0.0071% | 4,414 |
| Credit loss provision to net charge-offs | -1,090.9091% | 4,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9644% | 1,631 |
| Assets per employee ($millions) | 3.2774% | 4,762 |
| Cash dividends to net income (ytd only)* | 62.3788% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,182 |
| Loan loss allowance to noncurrent loans | 66.7996% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.5153% | 775 |
| Noncurrent loans to loans | 1.9058% | 722 |
| Net loans and leases to total assets | 69.9436% | 2,568 |
| Net loans and leases to deposits | 81.7467% | 2,764 |
| Net loans and leases to core deposits | 88.0790% | 2,747 |
| Total domestic deposits to total assets | 85.5614% | 2,415 |
| Equity capital to assets | 10.6147% | 3,065 |
| Core capital (leverage) ratio | 10.5239% | 3,002 |
| Tier 1 risk-based capital ratio | 14.3242% | 3,158 |
| Total risk-based capital ratio | 15.5397% | 3,087 |
| Memoranda: | ||
| Average total assets | $222,141,200 | 2,681 |
| Average earning assets | $199,925,200 | 2,721 |
| Average equity | $23,458,400 | 2,775 |
| Average total loans | $154,457,600 | 2,590 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7279% | 1,599 |
| Cost of funding earning assets | 0.8029% | 1,322 |
| Net interest margin | 3.9250% | 2,216 |
| Noninterest income to average assets | 1.0746% | 821 |
| Noninterest expense to average assets | 3.2485% | 1,412 |
| Loan and lease loss provision to assets | 0.0721% | 2,518 |
| Net operating income to assets | 0.9970% | 3,096 |
| Return on assets (ROA) | 0.9557% | 3,294 |
| Pretax return on assets | 1.2344% | 2,871 |
| Return on Equity (ROE) | 9.0618% | 3,050 |
| Retained earnings to average equity (ytd only) | 6.6184% | 2,324 |
| Net charge-offs to loans | -0.0156% | 4,541 |
| Credit loss provision to net charge-offs | -666.6667% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5085% | 2,117 |
| Assets per employee ($millions) | 3.2638% | 4,820 |
| Cash dividends to net income (ytd only)* | 26.9644% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 2,281 |
| Loan loss allowance to noncurrent loans | 51.6782% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.9285% | 567 |
| Noncurrent loans to loans | 2.4490% | 540 |
| Net loans and leases to total assets | 70.8993% | 2,514 |
| Net loans and leases to deposits | 83.5525% | 2,649 |
| Net loans and leases to core deposits | 89.4752% | 2,702 |
| Total domestic deposits to total assets | 84.8560% | 2,667 |
| Equity capital to assets | 10.6761% | 2,955 |
| Core capital (leverage) ratio | 10.8433% | 2,741 |
| Tier 1 risk-based capital ratio | 14.5469% | 3,099 |
| Total risk-based capital ratio | 15.7633% | 3,029 |
| Memoranda: | ||
| Average total assets | $221,961,250 | 2,698 |
| Average earning assets | $199,774,750 | 2,740 |
| Average equity | $23,409,000 | 2,796 |
| Average total loans | $153,600,250 | 2,615 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6682% | 1,584 |
| Cost of funding earning assets | 0.7548% | 1,349 |
| Net interest margin | 3.9134% | 2,162 |
| Noninterest income to average assets | 1.1002% | 796 |
| Noninterest expense to average assets | 3.1896% | 1,556 |
| Loan and lease loss provision to assets | 0.1081% | 1,815 |
| Net operating income to assets | 1.0371% | 2,865 |
| Return on assets (ROA) | 1.0407% | 2,851 |
| Pretax return on assets | 1.3245% | 2,418 |
| Return on Equity (ROE) | 9.9082% | 2,606 |
| Retained earnings to average equity (ytd only) | 8.7673% | 1,294 |
| Net charge-offs to loans | 0.0475% | 1,936 |
| Credit loss provision to net charge-offs | 333.3333% | 935 |
| Earnings coverage of net charge-offs (x) | 44.0278% | 1,223 |
| Efficiency ratio | 69.0732% | 2,474 |
| Assets per employee ($millions) | 3.2024% | 4,927 |
| Cash dividends to net income (ytd only)* | 11.5152% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,265 |
| Loan loss allowance to noncurrent loans | 54.8171% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.7374% | 696 |
| Noncurrent loans to loans | 2.3365% | 579 |
| Net loans and leases to total assets | 68.4730% | 2,797 |
| Net loans and leases to deposits | 80.1795% | 2,926 |
| Net loans and leases to core deposits | 86.2601% | 2,899 |
| Total domestic deposits to total assets | 85.3996% | 2,529 |
| Equity capital to assets | 10.6967% | 2,935 |
| Core capital (leverage) ratio | 10.8703% | 2,639 |
| Tier 1 risk-based capital ratio | 15.1056% | 2,824 |
| Total risk-based capital ratio | 16.3427% | 2,751 |
| Memoranda: | ||
| Average total assets | $221,969,670 | 2,714 |
| Average earning assets | $199,519,330 | 2,761 |
| Average equity | $23,314,000 | 2,815 |
| Average total loans | $151,677,670 | 2,648 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6118% | 1,535 |
| Cost of funding earning assets | 0.7329% | 1,269 |
| Net interest margin | 3.8788% | 2,128 |
| Noninterest income to average assets | 1.3287% | 533 |
| Noninterest expense to average assets | 3.2418% | 1,476 |
| Loan and lease loss provision to assets | 0.1079% | 1,732 |
| Net operating income to assets | 1.1559% | 2,189 |
| Return on assets (ROA) | 1.1687% | 2,153 |
| Pretax return on assets | 1.4779% | 1,732 |
| Return on Equity (ROE) | 11.2296% | 1,876 |
| Retained earnings to average equity (ytd only) | 11.2296% | 841 |
| Net charge-offs to loans | 0.0292% | 1,916 |
| Credit loss provision to net charge-offs | 545.4545% | 553 |
| Earnings coverage of net charge-offs (x) | 79.3636% | 705 |
| Efficiency ratio | 67.3767% | 2,938 |
| Assets per employee ($millions) | 3.2949% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 2,406 |
| Loan loss allowance to noncurrent loans | 61.7751% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.9433% | 601 |
| Noncurrent loans to loans | 2.0537% | 765 |
| Net loans and leases to total assets | 67.9660% | 2,773 |
| Net loans and leases to deposits | 77.5065% | 3,064 |
| Net loans and leases to core deposits | 83.4168% | 3,022 |
| Total domestic deposits to total assets | 87.6906% | 1,793 |
| Equity capital to assets | 10.5436% | 3,035 |
| Core capital (leverage) ratio | 10.6572% | 2,787 |
| Tier 1 risk-based capital ratio | 14.7580% | 3,006 |
| Total risk-based capital ratio | 15.9735% | 2,936 |
| Memoranda: | ||
| Average total assets | $222,471,500 | 2,730 |
| Average earning assets | $199,750,500 | 2,786 |
| Average equity | $23,153,000 | 2,850 |
| Average total loans | $150,884,000 | 2,675 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5091% | 1,676 |
| Cost of funding earning assets | 0.6663% | 1,205 |
| Net interest margin | 3.8429% | 2,280 |
| Noninterest income to average assets | 1.1059% | 833 |
| Noninterest expense to average assets | 3.5079% | 1,019 |
| Loan and lease loss provision to assets | -0.1677% | 5,554 |
| Net operating income to assets | 0.6215% | 3,926 |
| Return on assets (ROA) | 0.6063% | 4,019 |
| Pretax return on assets | 1.1953% | 2,788 |
| Return on Equity (ROE) | 5.8029% | 3,838 |
| Retained earnings to average equity (ytd only) | 1.2961% | 4,507 |
| Net charge-offs to loans | -0.0369% | 5,111 |
| Credit loss provision to net charge-offs | 701.8519% | 465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9388% | 1,494 |
| Assets per employee ($millions) | 3.2968% | 4,941 |
| Cash dividends to net income (ytd only)* | 77.6642% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 2,445 |
| Loan loss allowance to noncurrent loans | 61.1256% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.8074% | 686 |
| Noncurrent loans to loans | 2.0521% | 736 |
| Net loans and leases to total assets | 65.9815% | 3,101 |
| Net loans and leases to deposits | 74.8989% | 3,436 |
| Net loans and leases to core deposits | 80.5261% | 3,382 |
| Total domestic deposits to total assets | 88.0942% | 1,446 |
| Equity capital to assets | 10.2728% | 3,411 |
| Core capital (leverage) ratio | 10.2645% | 3,109 |
| Tier 1 risk-based capital ratio | 14.6125% | 3,035 |
| Total risk-based capital ratio | 15.8172% | 2,978 |
| Memoranda: | ||
| Average total assets | $225,977,400 | 2,673 |
| Average earning assets | $203,076,200 | 2,741 |
| Average equity | $23,609,000 | 2,794 |
| Average total loans | $146,430,800 | 2,690 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4976% | 1,647 |
| Cost of funding earning assets | 0.6625% | 1,170 |
| Net interest margin | 3.8351% | 2,262 |
| Noninterest income to average assets | 1.1683% | 750 |
| Noninterest expense to average assets | 3.3558% | 1,234 |
| Loan and lease loss provision to assets | -0.2562% | 5,680 |
| Net operating income to assets | 1.0055% | 2,528 |
| Return on assets (ROA) | 1.0146% | 2,536 |
| Pretax return on assets | 1.5251% | 1,686 |
| Return on Equity (ROE) | 9.6712% | 2,271 |
| Retained earnings to average equity (ytd only) | 9.1604% | 797 |
| Net charge-offs to loans | -0.0650% | 5,249 |
| Credit loss provision to net charge-offs | 612.6761% | 535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7749% | 2,079 |
| Assets per employee ($millions) | 3.3085% | 4,959 |
| Cash dividends to net income (ytd only)* | 5.2815% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 2,528 |
| Loan loss allowance to noncurrent loans | 65.9971% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.7459% | 813 |
| Noncurrent loans to loans | 1.9222% | 898 |
| Net loans and leases to total assets | 63.6519% | 3,460 |
| Net loans and leases to deposits | 72.8592% | 3,682 |
| Net loans and leases to core deposits | 78.4697% | 3,594 |
| Total domestic deposits to total assets | 87.3629% | 1,691 |
| Equity capital to assets | 10.9179% | 2,945 |
| Core capital (leverage) ratio | 10.9369% | 2,520 |
| Tier 1 risk-based capital ratio | 16.0313% | 2,488 |
| Total risk-based capital ratio | 17.2516% | 2,442 |
| Memoranda: | ||
| Average total assets | $226,425,750 | 2,692 |
| Average earning assets | $203,273,000 | 2,760 |
| Average equity | $23,753,750 | 2,806 |
| Average total loans | $145,588,750 | 2,721 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4584% | 1,630 |
| Cost of funding earning assets | 0.6590% | 1,092 |
| Net interest margin | 3.7993% | 2,289 |
| Noninterest income to average assets | 1.1520% | 760 |
| Noninterest expense to average assets | 3.2762% | 1,418 |
| Loan and lease loss provision to assets | -0.4319% | 5,755 |
| Net operating income to assets | 1.1389% | 1,827 |
| Return on assets (ROA) | 1.1458% | 1,850 |
| Pretax return on assets | 1.7329% | 981 |
| Return on Equity (ROE) | 11.0714% | 1,618 |
| Retained earnings to average equity (ytd only) | 10.5689% | 501 |
| Net charge-offs to loans | -0.4980% | 5,691 |
| Credit loss provision to net charge-offs | 134.9862% | 1,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7429% | 2,393 |
| Assets per employee ($millions) | 3.0470% | 5,222 |
| Cash dividends to net income (ytd only)* | 4.5385% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 1,837 |
| Loan loss allowance to noncurrent loans | 68.0656% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.8455% | 735 |
| Noncurrent loans to loans | 2.0959% | 788 |
| Net loans and leases to total assets | 64.4898% | 3,315 |
| Net loans and leases to deposits | 73.8124% | 3,566 |
| Net loans and leases to core deposits | 79.1612% | 3,493 |
| Total domestic deposits to total assets | 87.3699% | 1,776 |
| Equity capital to assets | 10.8916% | 2,936 |
| Core capital (leverage) ratio | 10.5300% | 2,881 |
| Tier 1 risk-based capital ratio | 15.4147% | 2,738 |
| Total risk-based capital ratio | 16.6660% | 2,678 |
| Memoranda: | ||
| Average total assets | $226,907,670 | 2,708 |
| Average earning assets | $203,931,670 | 2,766 |
| Average equity | $23,484,000 | 2,835 |
| Average total loans | $145,770,330 | 2,718 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1767% | 2,352 |
| Cost of funding earning assets | 0.6460% | 1,095 |
| Net interest margin | 3.5307% | 3,158 |
| Noninterest income to average assets | 1.2516% | 658 |
| Noninterest expense to average assets | 3.2660% | 1,444 |
| Loan and lease loss provision to assets | -1.1748% | 5,847 |
| Net operating income to assets | 1.5433% | 756 |
| Return on assets (ROA) | 1.5571% | 757 |
| Pretax return on assets | 2.3583% | 270 |
| Return on Equity (ROE) | 15.4372% | 599 |
| Retained earnings to average equity (ytd only) | 14.9353% | 236 |
| Net charge-offs to loans | -2.5196% | 5,810 |
| Credit loss provision to net charge-offs | 73.2318% | 1,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7485% | 2,277 |
| Assets per employee ($millions) | 3.1736% | 5,195 |
| Cash dividends to net income (ytd only)* | 3.2511% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6781% | 1,193 |
| Loan loss allowance to noncurrent loans | 54.7486% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 2.3755% | 510 |
| Noncurrent loans to loans | 3.0650% | 444 |
| Net loans and leases to total assets | 62.8236% | 3,423 |
| Net loans and leases to deposits | 71.4829% | 3,659 |
| Net loans and leases to core deposits | 76.6854% | 3,591 |
| Total domestic deposits to total assets | 87.8862% | 1,777 |
| Equity capital to assets | 10.3300% | 3,375 |
| Core capital (leverage) ratio | 10.2859% | 3,133 |
| Tier 1 risk-based capital ratio | 15.2687% | 2,846 |
| Total risk-based capital ratio | 16.5235% | 2,776 |
| Memoranda: | ||
| Average total assets | $229,147,000 | 2,713 |
| Average earning assets | $206,192,000 | 2,762 |
| Average equity | $23,113,000 | 2,879 |
| Average total loans | $145,895,500 | 2,745 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 1,276 |
| Cost of funding earning assets | 0.6511% | 1,050 |
| Net interest margin | 3.9523% | 1,782 |
| Noninterest income to average assets | 0.8383% | 1,623 |
| Noninterest expense to average assets | 3.2968% | 1,582 |
| Loan and lease loss provision to assets | 0.3495% | 488 |
| Net operating income to assets | 0.5924% | 4,246 |
| Return on assets (ROA) | 0.6804% | 3,985 |
| Pretax return on assets | 0.8592% | 3,982 |
| Return on Equity (ROE) | 6.5731% | 3,702 |
| Retained earnings to average equity (ytd only) | 3.7567% | 3,243 |
| Net charge-offs to loans | 1.0484% | 178 |
| Credit loss provision to net charge-offs | 52.1269% | 3,351 |
| Earnings coverage of net charge-offs (x) | 1.6367% | 3,960 |
| Efficiency ratio | 75.0283% | 2,136 |
| Assets per employee ($millions) | 3.8948% | 4,149 |
| Cash dividends to net income (ytd only)* | 42.8476% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 1,621 |
| Loan loss allowance to noncurrent loans | 51.4593% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 2.3464% | 526 |
| Noncurrent loans to loans | 2.9378% | 473 |
| Net loans and leases to total assets | 62.4842% | 3,548 |
| Net loans and leases to deposits | 70.6393% | 3,844 |
| Net loans and leases to core deposits | 75.6013% | 3,782 |
| Total domestic deposits to total assets | 88.4553% | 1,402 |
| Equity capital to assets | 9.8445% | 3,891 |
| Core capital (leverage) ratio | 10.1621% | 3,282 |
| Tier 1 risk-based capital ratio | 14.6785% | 3,112 |
| Total risk-based capital ratio | 15.9304% | 3,054 |
| Memoranda: | ||
| Average total assets | $220,912,000 | 2,754 |
| Average earning assets | $198,744,000 | 2,801 |
| Average equity | $22,866,000 | 2,901 |
| Average total loans | $141,259,400 | 2,763 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 1,268 |
| Cost of funding earning assets | 0.6342% | 1,118 |
| Net interest margin | 3.9790% | 1,714 |
| Noninterest income to average assets | 0.5341% | 3,023 |
| Noninterest expense to average assets | 2.9654% | 2,412 |
| Loan and lease loss provision to assets | 0.3609% | 437 |
| Net operating income to assets | 0.6084% | 4,262 |
| Return on assets (ROA) | 0.6938% | 4,015 |
| Pretax return on assets | 0.8993% | 3,983 |
| Return on Equity (ROE) | 6.6180% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.3621% | 1,980 |
| Net charge-offs to loans | 1.2350% | 126 |
| Credit loss provision to net charge-offs | 45.6086% | 3,091 |
| Earnings coverage of net charge-offs (x) | 1.4522% | 3,691 |
| Efficiency ratio | 72.0699% | 2,573 |
| Assets per employee ($millions) | 3.3525% | 4,974 |
| Cash dividends to net income (ytd only)* | 3.8667% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5270% | 1,666 |
| Loan loss allowance to noncurrent loans | 25.7887% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 4.0356% | 206 |
| Noncurrent loans to loans | 5.9213% | 119 |
| Net loans and leases to total assets | 65.3112% | 3,236 |
| Net loans and leases to deposits | 73.7904% | 3,616 |
| Net loans and leases to core deposits | 79.2839% | 3,521 |
| Total domestic deposits to total assets | 88.5091% | 1,156 |
| Equity capital to assets | 10.8186% | 3,226 |
| Core capital (leverage) ratio | 10.4874% | 3,008 |
| Tier 1 risk-based capital ratio | 15.3678% | 2,885 |
| Total risk-based capital ratio | 16.6198% | 2,814 |
| Memoranda: | ||
| Average total assets | $218,691,500 | 2,780 |
| Average earning assets | $196,793,250 | 2,834 |
| Average equity | $22,927,000 | 2,923 |
| Average total loans | $140,127,000 | 2,781 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5480% | 1,390 |
| Cost of funding earning assets | 0.6258% | 1,158 |
| Net interest margin | 3.9222% | 1,909 |
| Noninterest income to average assets | 0.4905% | 3,261 |
| Noninterest expense to average assets | 2.9477% | 2,524 |
| Loan and lease loss provision to assets | 0.3763% | 413 |
| Net operating income to assets | 0.4881% | 4,729 |
| Return on assets (ROA) | 0.5252% | 4,708 |
| Pretax return on assets | 0.7518% | 4,444 |
| Return on Equity (ROE) | 5.0636% | 4,485 |
| Retained earnings to average equity (ytd only) | 4.8170% | 2,857 |
| Net charge-offs to loans | 1.8938% | 74 |
| Credit loss provision to net charge-offs | 31.3785% | 2,848 |
| Earnings coverage of net charge-offs (x) | 0.8964% | 3,473 |
| Efficiency ratio | 73.2743% | 2,473 |
| Assets per employee ($millions) | 3.3978% | 4,928 |
| Cash dividends to net income (ytd only)* | 4.8696% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 2,181 |
| Loan loss allowance to noncurrent loans | 22.9392% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 4.0887% | 210 |
| Noncurrent loans to loans | 6.2174% | 112 |
| Net loans and leases to total assets | 62.9642% | 3,506 |
| Net loans and leases to deposits | 70.9470% | 3,893 |
| Net loans and leases to core deposits | 76.9685% | 3,739 |
| Total domestic deposits to total assets | 88.7482% | 1,043 |
| Equity capital to assets | 10.5318% | 3,602 |
| Core capital (leverage) ratio | 10.2610% | 3,259 |
| Tier 1 risk-based capital ratio | 15.1022% | 3,035 |
| Total risk-based capital ratio | 16.3536% | 2,964 |
| Memoranda: | ||
| Average total assets | $218,951,330 | 2,779 |
| Average earning assets | $197,185,330 | 2,850 |
| Average equity | $22,711,000 | 2,951 |
| Average total loans | $138,660,000 | 2,812 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5039% | 1,494 |
| Cost of funding earning assets | 0.6227% | 1,201 |
| Net interest margin | 3.8812% | 1,991 |
| Noninterest income to average assets | 0.4972% | 3,136 |
| Noninterest expense to average assets | 2.9615% | 2,508 |
| Loan and lease loss provision to assets | 0.3303% | 460 |
| Net operating income to assets | 0.5022% | 4,622 |
| Return on assets (ROA) | 0.5670% | 4,441 |
| Pretax return on assets | 0.7835% | 4,256 |
| Return on Equity (ROE) | 5.5089% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.0810% | 2,886 |
| Net charge-offs to loans | 0.1077% | 1,481 |
| Credit loss provision to net charge-offs | 486.4865% | 628 |
| Earnings coverage of net charge-offs (x) | 15.0811% | 1,676 |
| Efficiency ratio | 74.3094% | 2,426 |
| Assets per employee ($millions) | 3.3366% | 5,072 |
| Cash dividends to net income (ytd only)* | 7.7670% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2145% | 579 |
| Loan loss allowance to noncurrent loans | 28.9613% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 4.9702% | 164 |
| Noncurrent loans to loans | 7.6463% | 80 |
| Net loans and leases to total assets | 61.2795% | 3,623 |
| Net loans and leases to deposits | 68.8518% | 3,973 |
| Net loans and leases to core deposits | 74.6639% | 3,823 |
| Total domestic deposits to total assets | 89.0021% | 1,098 |
| Equity capital to assets | 10.3091% | 3,733 |
| Core capital (leverage) ratio | 10.2276% | 3,285 |
| Tier 1 risk-based capital ratio | 15.6211% | 2,852 |
| Total risk-based capital ratio | 16.8824% | 2,781 |
| Memoranda: | ||
| Average total assets | $218,000,000 | 2,802 |
| Average earning assets | $195,920,000 | 2,865 |
| Average equity | $22,436,500 | 2,976 |
| Average total loans | $137,454,500 | 2,834 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5097% | 1,562 |
| Cost of funding earning assets | 0.6513% | 1,071 |
| Net interest margin | 3.8585% | 2,170 |
| Noninterest income to average assets | 0.5868% | 2,788 |
| Noninterest expense to average assets | 3.1027% | 2,231 |
| Loan and lease loss provision to assets | 0.3054% | 556 |
| Net operating income to assets | 0.5212% | 4,613 |
| Return on assets (ROA) | 0.5770% | 4,486 |
| Pretax return on assets | 0.7769% | 4,273 |
| Return on Equity (ROE) | 5.6190% | 4,222 |
| Retained earnings to average equity (ytd only) | 2.5864% | 4,230 |
| Net charge-offs to loans | 0.4298% | 650 |
| Credit loss provision to net charge-offs | 116.1972% | 2,202 |
| Earnings coverage of net charge-offs (x) | 3.8310% | 3,654 |
| Efficiency ratio | 75.4983% | 2,354 |
| Assets per employee ($millions) | 3.2695% | 5,191 |
| Cash dividends to net income (ytd only)* | 53.9695% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1277% | 666 |
| Loan loss allowance to noncurrent loans | 31.6046% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 4.5383% | 208 |
| Noncurrent loans to loans | 6.7323% | 113 |
| Net loans and leases to total assets | 62.0958% | 3,549 |
| Net loans and leases to deposits | 69.9894% | 3,923 |
| Net loans and leases to core deposits | 74.7764% | 3,867 |
| Total domestic deposits to total assets | 88.7217% | 1,272 |
| Equity capital to assets | 10.2745% | 3,653 |
| Core capital (leverage) ratio | 10.2641% | 3,193 |
| Tier 1 risk-based capital ratio | 15.4747% | 2,942 |
| Total risk-based capital ratio | 16.7340% | 2,878 |
| Memoranda: | ||
| Average total assets | $216,102,400 | 2,779 |
| Average earning assets | $197,306,400 | 2,810 |
| Average equity | $22,192,600 | 2,955 |
| Average total loans | $132,143,800 | 2,854 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4966% | 1,601 |
| Cost of funding earning assets | 0.6592% | 1,041 |
| Net interest margin | 3.8374% | 2,243 |
| Noninterest income to average assets | 0.5871% | 2,813 |
| Noninterest expense to average assets | 3.0116% | 2,486 |
| Loan and lease loss provision to assets | 0.3330% | 413 |
| Net operating income to assets | 0.5601% | 4,561 |
| Return on assets (ROA) | 0.6155% | 4,414 |
| Pretax return on assets | 0.8406% | 4,205 |
| Return on Equity (ROE) | 5.9944% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.5619% | 2,545 |
| Net charge-offs to loans | 0.4541% | 555 |
| Credit loss provision to net charge-offs | 121.0762% | 1,966 |
| Earnings coverage of net charge-offs (x) | 3.9910% | 3,421 |
| Efficiency ratio | 73.2853% | 2,673 |
| Assets per employee ($millions) | 3.2756% | 5,160 |
| Cash dividends to net income (ytd only)* | 7.2146% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2151% | 646 |
| Loan loss allowance to noncurrent loans | 42.9118% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 3.3364% | 405 |
| Noncurrent loans to loans | 5.1620% | 195 |
| Net loans and leases to total assets | 59.5221% | 3,934 |
| Net loans and leases to deposits | 67.0645% | 4,277 |
| Net loans and leases to core deposits | 71.6396% | 4,217 |
| Total domestic deposits to total assets | 88.7535% | 1,152 |
| Equity capital to assets | 10.4874% | 3,617 |
| Core capital (leverage) ratio | 10.3528% | 3,194 |
| Tier 1 risk-based capital ratio | 16.4905% | 2,583 |
| Total risk-based capital ratio | 17.7522% | 2,540 |
| Memoranda: | ||
| Average total assets | $216,181,500 | 2,803 |
| Average earning assets | $198,426,250 | 2,820 |
| Average equity | $22,198,000 | 2,967 |
| Average total loans | $130,953,000 | 2,889 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 1,874 |
| Cost of funding earning assets | 0.6653% | 1,021 |
| Net interest margin | 3.7272% | 2,592 |
| Noninterest income to average assets | 0.5671% | 2,929 |
| Noninterest expense to average assets | 2.9161% | 2,838 |
| Loan and lease loss provision to assets | 0.3331% | 412 |
| Net operating income to assets | 0.5291% | 4,654 |
| Return on assets (ROA) | 0.6060% | 4,428 |
| Pretax return on assets | 0.8521% | 4,125 |
| Return on Equity (ROE) | 5.9438% | 4,153 |
| Retained earnings to average equity (ytd only) | 5.5173% | 2,526 |
| Net charge-offs to loans | 0.6486% | 358 |
| Credit loss provision to net charge-offs | 84.9057% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.7453% | 3,292 |
| Efficiency ratio | 73.0306% | 2,833 |
| Assets per employee ($millions) | 3.2581% | 5,230 |
| Cash dividends to net income (ytd only)* | 7.1756% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0942% | 861 |
| Loan loss allowance to noncurrent loans | 41.1615% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 3.2804% | 466 |
| Noncurrent loans to loans | 5.0877% | 219 |
| Net loans and leases to total assets | 59.9409% | 3,846 |
| Net loans and leases to deposits | 67.3223% | 4,200 |
| Net loans and leases to core deposits | 72.1198% | 4,122 |
| Total domestic deposits to total assets | 89.0357% | 1,121 |
| Equity capital to assets | 10.2676% | 3,724 |
| Core capital (leverage) ratio | 10.1684% | 3,377 |
| Tier 1 risk-based capital ratio | 16.4852% | 2,617 |
| Total risk-based capital ratio | 17.7454% | 2,563 |
| Memoranda: | ||
| Average total assets | $216,178,000 | 2,820 |
| Average earning assets | $198,703,330 | 2,834 |
| Average equity | $22,039,670 | 2,992 |
| Average total loans | $130,738,330 | 2,897 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 1,897 |
| Cost of funding earning assets | 0.6809% | 944 |
| Net interest margin | 3.6806% | 2,698 |
| Noninterest income to average assets | 0.5555% | 2,920 |
| Noninterest expense to average assets | 2.8937% | 2,929 |
| Loan and lease loss provision to assets | 0.3322% | 408 |
| Net operating income to assets | 0.4660% | 4,807 |
| Return on assets (ROA) | 0.5610% | 4,547 |
| Pretax return on assets | 0.8452% | 4,083 |
| Return on Equity (ROE) | 5.5223% | 4,274 |
| Retained earnings to average equity (ytd only) | 5.1045% | 2,999 |
| Net charge-offs to loans | 0.2395% | 995 |
| Credit loss provision to net charge-offs | 230.7692% | 960 |
| Earnings coverage of net charge-offs (x) | 7.1795% | 2,202 |
| Efficiency ratio | 73.6842% | 2,862 |
| Assets per employee ($millions) | 3.3189% | 5,205 |
| Cash dividends to net income (ytd only)* | 7.5658% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2758% | 727 |
| Loan loss allowance to noncurrent loans | 38.5976% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 3.5910% | 453 |
| Noncurrent loans to loans | 5.8961% | 186 |
| Net loans and leases to total assets | 57.3024% | 4,051 |
| Net loans and leases to deposits | 64.3141% | 4,343 |
| Net loans and leases to core deposits | 68.6780% | 4,271 |
| Total domestic deposits to total assets | 89.0977% | 1,203 |
| Equity capital to assets | 10.1536% | 3,938 |
| Core capital (leverage) ratio | 9.9726% | 3,637 |
| Tier 1 risk-based capital ratio | 16.2583% | 2,797 |
| Total risk-based capital ratio | 17.5198% | 2,733 |
| Memoranda: | ||
| Average total assets | $216,749,500 | 2,836 |
| Average earning assets | $198,557,000 | 2,853 |
| Average equity | $22,020,000 | 3,018 |
| Average total loans | $130,282,000 | 2,911 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 914 |
| Cost of funding earning assets | 0.7908% | 678 |
| Net interest margin | 4.1160% | 1,523 |
| Noninterest income to average assets | 0.7291% | 2,166 |
| Noninterest expense to average assets | 2.9335% | 3,044 |
| Loan and lease loss provision to assets | 0.9852% | 115 |
| Net operating income to assets | 0.4403% | 5,064 |
| Return on assets (ROA) | 0.4591% | 5,067 |
| Pretax return on assets | 0.5960% | 4,955 |
| Return on Equity (ROE) | 4.5446% | 4,866 |
| Retained earnings to average equity (ytd only) | 1.4298% | 5,124 |
| Net charge-offs to loans | 1.0651% | 272 |
| Credit loss provision to net charge-offs | 139.9734% | 1,695 |
| Earnings coverage of net charge-offs (x) | 2.2119% | 4,222 |
| Efficiency ratio | 65.3300% | 4,353 |
| Assets per employee ($millions) | 3.2993% | 5,256 |
| Cash dividends to net income (ytd only)* | 68.5393% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1351% | 903 |
| Loan loss allowance to noncurrent loans | 44.9562% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 3.4856% | 533 |
| Noncurrent loans to loans | 4.7494% | 330 |
| Net loans and leases to total assets | 60.2936% | 3,749 |
| Net loans and leases to deposits | 67.6142% | 4,164 |
| Net loans and leases to core deposits | 72.3396% | 4,089 |
| Total domestic deposits to total assets | 89.1730% | 1,136 |
| Equity capital to assets | 10.1649% | 3,900 |
| Core capital (leverage) ratio | 9.9636% | 3,627 |
| Tier 1 risk-based capital ratio | 16.2473% | 2,837 |
| Total risk-based capital ratio | 17.5085% | 2,780 |
| Memoranda: | ||
| Average total assets | $213,262,200 | 2,849 |
| Average earning assets | $194,872,200 | 2,858 |
| Average equity | $21,542,200 | 2,995 |
| Average total loans | $140,921,600 | 2,700 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9779% | 799 |
| Cost of funding earning assets | 0.8095% | 654 |
| Net interest margin | 4.1684% | 1,382 |
| Noninterest income to average assets | 0.7726% | 2,006 |
| Noninterest expense to average assets | 2.8405% | 3,315 |
| Loan and lease loss provision to assets | 1.0987% | 98 |
| Net operating income to assets | 0.4563% | 5,049 |
| Return on assets (ROA) | 0.4639% | 5,099 |
| Pretax return on assets | 0.6449% | 4,894 |
| Return on Equity (ROE) | 4.6000% | 4,909 |
| Retained earnings to average equity (ytd only) | 4.1592% | 3,695 |
| Net charge-offs to loans | 1.0909% | 266 |
| Credit loss provision to net charge-offs | 149.8719% | 1,588 |
| Earnings coverage of net charge-offs (x) | 2.3638% | 3,934 |
| Efficiency ratio | 62.1081% | 4,868 |
| Assets per employee ($millions) | 3.4514% | 4,950 |
| Cash dividends to net income (ytd only)* | 9.5812% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0476% | 1,167 |
| Loan loss allowance to noncurrent loans | 38.5620% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 4.0040% | 492 |
| Noncurrent loans to loans | 5.3100% | 314 |
| Net loans and leases to total assets | 62.7067% | 3,384 |
| Net loans and leases to deposits | 70.4646% | 3,870 |
| Net loans and leases to core deposits | 75.3994% | 3,818 |
| Total domestic deposits to total assets | 88.9903% | 1,243 |
| Equity capital to assets | 10.3026% | 3,781 |
| Core capital (leverage) ratio | 10.1280% | 3,497 |
| Tier 1 risk-based capital ratio | 16.1218% | 3,004 |
| Total risk-based capital ratio | 17.3821% | 2,947 |
| Memoranda: | ||
| Average total assets | $212,964,250 | 2,873 |
| Average earning assets | $194,188,250 | 2,887 |
| Average equity | $21,478,000 | 3,007 |
| Average total loans | $143,121,250 | 2,684 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9989% | 752 |
| Cost of funding earning assets | 0.8172% | 652 |
| Net interest margin | 4.1817% | 1,290 |
| Noninterest income to average assets | 0.6537% | 2,520 |
| Noninterest expense to average assets | 2.8416% | 3,367 |
| Loan and lease loss provision to assets | 1.3253% | 69 |
| Net operating income to assets | 0.2509% | 5,711 |
| Return on assets (ROA) | 0.2577% | 5,769 |
| Pretax return on assets | 0.3170% | 5,751 |
| Return on Equity (ROE) | 2.5741% | 5,665 |
| Retained earnings to average equity (ytd only) | 2.1326% | 4,829 |
| Net charge-offs to loans | 1.5348% | 179 |
| Credit loss provision to net charge-offs | 126.4811% | 1,644 |
| Earnings coverage of net charge-offs (x) | 1.5592% | 3,773 |
| Efficiency ratio | 63.4931% | 4,772 |
| Assets per employee ($millions) | 3.3749% | 5,109 |
| Cash dividends to net income (ytd only)* | 17.1533% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7111% | 2,099 |
| Loan loss allowance to noncurrent loans | 46.6790% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 3.2446% | 756 |
| Noncurrent loans to loans | 3.6657% | 704 |
| Net loans and leases to total assets | 66.9117% | 2,599 |
| Net loans and leases to deposits | 74.9847% | 3,195 |
| Net loans and leases to core deposits | 80.4955% | 3,159 |
| Total domestic deposits to total assets | 89.2339% | 1,230 |
| Equity capital to assets | 9.9777% | 4,135 |
| Core capital (leverage) ratio | 9.9018% | 3,738 |
| Tier 1 risk-based capital ratio | 15.1057% | 3,576 |
| Total risk-based capital ratio | 16.3606% | 3,522 |
| Memoranda: | ||
| Average total assets | $212,624,000 | 2,888 |
| Average earning assets | $194,323,670 | 2,903 |
| Average equity | $21,288,670 | 3,025 |
| Average total loans | $145,165,670 | 2,652 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0217% | 690 |
| Cost of funding earning assets | 0.8269% | 646 |
| Net interest margin | 4.1948% | 1,239 |
| Noninterest income to average assets | 0.6390% | 2,527 |
| Noninterest expense to average assets | 2.8672% | 3,320 |
| Loan and lease loss provision to assets | 0.5366% | 263 |
| Net operating income to assets | 0.7485% | 3,426 |
| Return on assets (ROA) | 0.7566% | 3,465 |
| Pretax return on assets | 1.0657% | 3,057 |
| Return on Equity (ROE) | 7.5434% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.1086% | 1,976 |
| Net charge-offs to loans | 0.1109% | 2,072 |
| Credit loss provision to net charge-offs | 707.5000% | 408 |
| Earnings coverage of net charge-offs (x) | 20.9750% | 1,312 |
| Efficiency ratio | 64.3131% | 4,810 |
| Assets per employee ($millions) | 3.2389% | 5,466 |
| Cash dividends to net income (ytd only)* | 5.7644% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 2,391 |
| Loan loss allowance to noncurrent loans | 53.7170% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 2.8826% | 1,013 |
| Noncurrent loans to loans | 3.1444% | 989 |
| Net loans and leases to total assets | 67.0878% | 2,379 |
| Net loans and leases to deposits | 75.2386% | 2,912 |
| Net loans and leases to core deposits | 81.1871% | 2,831 |
| Total domestic deposits to total assets | 89.1668% | 1,552 |
| Equity capital to assets | 10.0627% | 3,771 |
| Core capital (leverage) ratio | 10.0700% | 3,471 |
| Tier 1 risk-based capital ratio | 15.0981% | 3,656 |
| Total risk-based capital ratio | 16.3543% | 3,612 |
| Memoranda: | ||
| Average total assets | $210,940,000 | 2,917 |
| Average earning assets | $192,048,000 | 2,950 |
| Average equity | $21,157,500 | 3,030 |
| Average total loans | $144,228,500 | 2,676 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3369% | 495 |
| Cost of funding earning assets | 0.9132% | 689 |
| Net interest margin | 4.4238% | 867 |
| Noninterest income to average assets | 0.8915% | 1,708 |
| Noninterest expense to average assets | 3.2919% | 2,169 |
| Loan and lease loss provision to assets | 0.3096% | 1,078 |
| Net operating income to assets | 1.0291% | 2,204 |
| Return on assets (ROA) | 1.2174% | 1,571 |
| Pretax return on assets | 1.5199% | 1,382 |
| Return on Equity (ROE) | 12.1776% | 1,364 |
| Retained earnings to average equity (ytd only) | 8.8651% | 801 |
| Net charge-offs to loans | 0.6260% | 1,047 |
| Credit loss provision to net charge-offs | 75.2326% | 3,167 |
| Earnings coverage of net charge-offs (x) | 3.8733% | 3,728 |
| Efficiency ratio | 67.3751% | 4,313 |
| Assets per employee ($millions) | 3.2517% | 5,387 |
| Cash dividends to net income (ytd only)* | 27.2013% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5577% | 2,929 |
| Loan loss allowance to noncurrent loans | 105.7619% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.8005% | 2,046 |
| Noncurrent loans to loans | 1.4729% | 2,683 |
| Net loans and leases to total assets | 67.4443% | 2,447 |
| Net loans and leases to deposits | 75.5479% | 3,024 |
| Net loans and leases to core deposits | 82.2810% | 2,864 |
| Total domestic deposits to total assets | 89.2735% | 1,445 |
| Equity capital to assets | 9.9966% | 3,777 |
| Core capital (leverage) ratio | 10.0333% | 3,513 |
| Tier 1 risk-based capital ratio | 15.1199% | 3,597 |
| Total risk-based capital ratio | 16.3738% | 3,539 |
| Memoranda: | ||
| Average total assets | $208,967,200 | 2,925 |
| Average earning assets | $188,686,000 | 2,968 |
| Average equity | $20,890,800 | 3,061 |
| Average total loans | $137,382,600 | 2,743 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2870% | 542 |
| Cost of funding earning assets | 0.9195% | 745 |
| Net interest margin | 4.3675% | 953 |
| Noninterest income to average assets | 0.7942% | 2,177 |
| Noninterest expense to average assets | 3.0773% | 2,738 |
| Loan and lease loss provision to assets | 0.3646% | 869 |
| Net operating income to assets | 0.9373% | 2,649 |
| Return on assets (ROA) | 1.1250% | 1,979 |
| Pretax return on assets | 1.5578% | 1,454 |
| Return on Equity (ROE) | 11.2529% | 1,726 |
| Retained earnings to average equity (ytd only) | 10.6728% | 645 |
| Net charge-offs to loans | 0.8083% | 724 |
| Credit loss provision to net charge-offs | 69.3333% | 3,087 |
| Earnings coverage of net charge-offs (x) | 3.1600% | 3,786 |
| Efficiency ratio | 64.9361% | 4,658 |
| Assets per employee ($millions) | 3.5347% | 4,778 |
| Cash dividends to net income (ytd only)* | 5.1558% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5387% | 3,284 |
| Loan loss allowance to noncurrent loans | 91.6772% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.8582% | 2,187 |
| Noncurrent loans to loans | 1.6784% | 2,676 |
| Net loans and leases to total assets | 65.8038% | 2,675 |
| Net loans and leases to deposits | 74.2614% | 3,199 |
| Net loans and leases to core deposits | 81.7937% | 2,892 |
| Total domestic deposits to total assets | 88.6110% | 1,778 |
| Equity capital to assets | 9.8316% | 4,131 |
| Core capital (leverage) ratio | 9.8864% | 3,837 |
| Tier 1 risk-based capital ratio | 15.0567% | 3,719 |
| Total risk-based capital ratio | 16.3109% | 3,666 |
| Memoranda: | ||
| Average total assets | $209,181,250 | 2,942 |
| Average earning assets | $188,935,750 | 2,989 |
| Average equity | $20,912,500 | 3,082 |
| Average total loans | $136,083,250 | 2,769 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2201% | 613 |
| Cost of funding earning assets | 0.9215% | 813 |
| Net interest margin | 4.2987% | 1,037 |
| Noninterest income to average assets | 0.8184% | 2,113 |
| Noninterest expense to average assets | 3.0286% | 2,910 |
| Loan and lease loss provision to assets | 0.1979% | 1,919 |
| Net operating income to assets | 1.0619% | 2,071 |
| Return on assets (ROA) | 1.2881% | 1,450 |
| Pretax return on assets | 1.7866% | 955 |
| Return on Equity (ROE) | 12.8123% | 1,285 |
| Retained earnings to average equity (ytd only) | 12.1626% | 465 |
| Net charge-offs to loans | 0.1535% | 2,871 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 16.8835% | 1,635 |
| Efficiency ratio | 64.4522% | 4,796 |
| Assets per employee ($millions) | 3.3296% | 5,212 |
| Cash dividends to net income (ytd only)* | 5.0708% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8353% | 2,311 |
| Loan loss allowance to noncurrent loans | 98.9080% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 2.0939% | 2,064 |
| Noncurrent loans to loans | 1.8555% | 2,556 |
| Net loans and leases to total assets | 63.6553% | 2,978 |
| Net loans and leases to deposits | 71.2152% | 3,556 |
| Net loans and leases to core deposits | 78.6298% | 3,211 |
| Total domestic deposits to total assets | 89.3844% | 1,391 |
| Equity capital to assets | 9.8290% | 4,147 |
| Core capital (leverage) ratio | 9.8755% | 3,677 |
| Tier 1 risk-based capital ratio | 14.9246% | 3,829 |
| Total risk-based capital ratio | 16.1820% | 3,789 |
| Memoranda: | ||
| Average total assets | $208,214,330 | 2,967 |
| Average earning assets | $187,964,000 | 3,018 |
| Average equity | $20,933,000 | 3,098 |
| Average total loans | $134,198,000 | 2,801 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1434% | 685 |
| Cost of funding earning assets | 0.9340% | 834 |
| Net interest margin | 4.2094% | 1,167 |
| Noninterest income to average assets | 0.6901% | 2,648 |
| Noninterest expense to average assets | 2.9722% | 3,080 |
| Loan and lease loss provision to assets | 0.1458% | 2,419 |
| Net operating income to assets | 0.9962% | 2,235 |
| Return on assets (ROA) | 1.2888% | 1,412 |
| Pretax return on assets | 1.8039% | 878 |
| Return on Equity (ROE) | 12.6726% | 1,250 |
| Retained earnings to average equity (ytd only) | 12.1948% | 670 |
| Net charge-offs to loans | 0.0424% | 3,442 |
| Credit loss provision to net charge-offs | 535.7143% | 502 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 619 |
| Efficiency ratio | 65.9052% | 4,679 |
| Assets per employee ($millions) | 3.0642% | 5,885 |
| Cash dividends to net income (ytd only)* | 3.7707% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8873% | 2,341 |
| Loan loss allowance to noncurrent loans | 68.1880% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 2.5791% | 1,778 |
| Noncurrent loans to loans | 2.7679% | 1,836 |
| Net loans and leases to total assets | 62.2461% | 3,012 |
| Net loans and leases to deposits | 69.8685% | 3,501 |
| Net loans and leases to core deposits | 76.9104% | 3,217 |
| Total domestic deposits to total assets | 89.0905% | 1,631 |
| Equity capital to assets | 10.1369% | 3,970 |
| Core capital (leverage) ratio | 9.7003% | 3,790 |
| Tier 1 risk-based capital ratio | 14.9560% | 3,869 |
| Total risk-based capital ratio | 16.2141% | 3,828 |
| Memoranda: | ||
| Average total assets | $205,775,000 | 3,030 |
| Average earning assets | $186,724,500 | 3,061 |
| Average equity | $20,927,000 | 3,142 |
| Average total loans | $132,206,500 | 2,860 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4579% | 678 |
| Cost of funding earning assets | 1.0702% | 1,025 |
| Net interest margin | 4.3877% | 1,184 |
| Noninterest income to average assets | 0.7817% | 2,343 |
| Noninterest expense to average assets | 3.1840% | 2,667 |
| Loan and lease loss provision to assets | 0.2388% | 2,743 |
| Net operating income to assets | 0.9487% | 2,554 |
| Return on assets (ROA) | 1.0708% | 2,237 |
| Pretax return on assets | 1.4713% | 1,775 |
| Return on Equity (ROE) | 10.6265% | 1,929 |
| Retained earnings to average equity (ytd only) | 7.2687% | 1,442 |
| Net charge-offs to loans | 0.0894% | 4,781 |
| Credit loss provision to net charge-offs | 417.3913% | 577 |
| Earnings coverage of net charge-offs (x) | 26.9652% | 1,085 |
| Efficiency ratio | 67.3579% | 4,259 |
| Assets per employee ($millions) | 3.0785% | 5,884 |
| Cash dividends to net income (ytd only)* | 31.5985% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8409% | 2,462 |
| Loan loss allowance to noncurrent loans | 80.6227% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 2.3034% | 2,134 |
| Noncurrent loans to loans | 2.2834% | 2,372 |
| Net loans and leases to total assets | 63.8752% | 2,912 |
| Net loans and leases to deposits | 71.6404% | 3,473 |
| Net loans and leases to core deposits | 79.0444% | 3,145 |
| Total domestic deposits to total assets | 89.1609% | 1,463 |
| Equity capital to assets | 10.2037% | 3,885 |
| Core capital (leverage) ratio | 9.6715% | 3,859 |
| Tier 1 risk-based capital ratio | 14.6869% | 3,901 |
| Total risk-based capital ratio | 15.9449% | 3,856 |
| Memoranda: | ||
| Average total assets | $200,974,200 | 3,026 |
| Average earning assets | $180,711,200 | 3,078 |
| Average equity | $20,251,200 | 3,175 |
| Average total loans | $128,698,200 | 2,908 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5351% | 635 |
| Cost of funding earning assets | 1.0996% | 1,066 |
| Net interest margin | 4.4355% | 1,124 |
| Noninterest income to average assets | 0.7790% | 2,336 |
| Noninterest expense to average assets | 3.0641% | 3,001 |
| Loan and lease loss provision to assets | 0.2395% | 2,658 |
| Net operating income to assets | 1.0251% | 2,387 |
| Return on assets (ROA) | 1.1602% | 2,062 |
| Pretax return on assets | 1.6452% | 1,430 |
| Return on Equity (ROE) | 11.5507% | 1,777 |
| Retained earnings to average equity (ytd only) | 11.0341% | 681 |
| Net charge-offs to loans | 0.1095% | 4,297 |
| Credit loss provision to net charge-offs | 342.8571% | 780 |
| Earnings coverage of net charge-offs (x) | 24.2566% | 1,286 |
| Efficiency ratio | 64.3926% | 4,743 |
| Assets per employee ($millions) | 3.1877% | 5,660 |
| Cash dividends to net income (ytd only)* | 4.4726% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7612% | 2,928 |
| Loan loss allowance to noncurrent loans | 117.1285% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 1.8887% | 2,802 |
| Noncurrent loans to loans | 1.5037% | 3,531 |
| Net loans and leases to total assets | 64.5764% | 2,916 |
| Net loans and leases to deposits | 73.9274% | 3,291 |
| Net loans and leases to core deposits | 81.7903% | 2,990 |
| Total domestic deposits to total assets | 87.3511% | 2,464 |
| Equity capital to assets | 10.4420% | 3,910 |
| Core capital (leverage) ratio | 9.7636% | 3,849 |
| Tier 1 risk-based capital ratio | 14.6957% | 4,054 |
| Total risk-based capital ratio | 15.9517% | 4,011 |
| Memoranda: | ||
| Average total assets | $200,422,250 | 3,069 |
| Average earning assets | $179,816,250 | 3,125 |
| Average equity | $20,131,000 | 3,218 |
| Average total loans | $127,818,500 | 2,958 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4584% | 786 |
| Cost of funding earning assets | 1.1300% | 1,095 |
| Net interest margin | 4.3284% | 1,396 |
| Noninterest income to average assets | 0.7659% | 2,348 |
| Noninterest expense to average assets | 2.9368% | 3,488 |
| Loan and lease loss provision to assets | 0.2397% | 2,668 |
| Net operating income to assets | 1.0665% | 2,178 |
| Return on assets (ROA) | 1.1923% | 1,939 |
| Pretax return on assets | 1.6466% | 1,409 |
| Return on Equity (ROE) | 12.0294% | 1,657 |
| Retained earnings to average equity (ytd only) | 11.5055% | 659 |
| Net charge-offs to loans | 0.0902% | 4,252 |
| Credit loss provision to net charge-offs | 421.0526% | 701 |
| Earnings coverage of net charge-offs (x) | 30.0702% | 1,067 |
| Efficiency ratio | 63.1794% | 5,053 |
| Assets per employee ($millions) | 3.1866% | 5,674 |
| Cash dividends to net income (ytd only)* | 4.3551% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7590% | 2,989 |
| Loan loss allowance to noncurrent loans | 107.1871% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 2.1130% | 2,648 |
| Noncurrent loans to loans | 1.6411% | 3,447 |
| Net loans and leases to total assets | 62.6501% | 3,297 |
| Net loans and leases to deposits | 70.4863% | 3,823 |
| Net loans and leases to core deposits | 77.5824% | 3,577 |
| Total domestic deposits to total assets | 88.8826% | 1,584 |
| Equity capital to assets | 10.1834% | 4,073 |
| Core capital (leverage) ratio | 9.5786% | 4,037 |
| Tier 1 risk-based capital ratio | 14.1943% | 4,311 |
| Total risk-based capital ratio | 15.4509% | 4,267 |
| Memoranda: | ||
| Average total assets | $200,288,330 | 3,081 |
| Average earning assets | $179,649,000 | 3,136 |
| Average equity | $19,851,330 | 3,245 |
| Average total loans | $126,421,330 | 2,999 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4846% | 781 |
| Cost of funding earning assets | 1.1672% | 1,118 |
| Net interest margin | 4.3174% | 1,415 |
| Noninterest income to average assets | 0.7798% | 2,257 |
| Noninterest expense to average assets | 2.7793% | 4,124 |
| Loan and lease loss provision to assets | 0.2399% | 2,550 |
| Net operating income to assets | 1.1757% | 1,811 |
| Return on assets (ROA) | 1.2737% | 1,698 |
| Pretax return on assets | 1.7815% | 1,117 |
| Return on Equity (ROE) | 13.0299% | 1,398 |
| Retained earnings to average equity (ytd only) | 12.5185% | 748 |
| Net charge-offs to loans | 0.0701% | 3,789 |
| Credit loss provision to net charge-offs | 545.4545% | 615 |
| Earnings coverage of net charge-offs (x) | 42.8182% | 704 |
| Efficiency ratio | 59.6055% | 5,680 |
| Assets per employee ($millions) | 3.2472% | 5,667 |
| Cash dividends to net income (ytd only)* | 3.9246% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7271% | 3,241 |
| Loan loss allowance to noncurrent loans | 140.4145% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 1.9237% | 3,015 |
| Noncurrent loans to loans | 1.2300% | 4,283 |
| Net loans and leases to total assets | 61.2735% | 3,396 |
| Net loans and leases to deposits | 68.5699% | 3,956 |
| Net loans and leases to core deposits | 75.2067% | 3,720 |
| Total domestic deposits to total assets | 89.3591% | 1,450 |
| Equity capital to assets | 9.8109% | 4,357 |
| Core capital (leverage) ratio | 9.2599% | 4,426 |
| Tier 1 risk-based capital ratio | 14.0498% | 4,436 |
| Total risk-based capital ratio | 15.3049% | 4,394 |
| Memoranda: | ||
| Average total assets | $200,053,500 | 3,101 |
| Average earning assets | $179,922,500 | 3,146 |
| Average equity | $19,555,000 | 3,280 |
| Average total loans | $125,618,500 | 3,035 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5753% | 1,000 |
| Cost of funding earning assets | 1.4360% | 896 |
| Net interest margin | 4.1393% | 2,271 |
| Noninterest income to average assets | 0.7631% | 2,272 |
| Noninterest expense to average assets | 3.0565% | 3,365 |
| Loan and lease loss provision to assets | 0.3826% | 2,703 |
| Net operating income to assets | 0.7716% | 3,169 |
| Return on assets (ROA) | 0.8300% | 3,073 |
| Pretax return on assets | 1.1047% | 2,817 |
| Return on Equity (ROE) | 8.9113% | 2,489 |
| Retained earnings to average equity (ytd only) | 5.2975% | 2,452 |
| Net charge-offs to loans | 0.3144% | 3,823 |
| Credit loss provision to net charge-offs | 194.9109% | 1,306 |
| Earnings coverage of net charge-offs (x) | 7.1807% | 2,383 |
| Efficiency ratio | 68.4411% | 4,266 |
| Assets per employee ($millions) | 3.2061% | 5,696 |
| Cash dividends to net income (ytd only)* | 40.5535% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6459% | 3,394 |
| Loan loss allowance to noncurrent loans | 113.6189% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 2.0228% | 2,938 |
| Noncurrent loans to loans | 1.4486% | 3,994 |
| Net loans and leases to total assets | 62.1994% | 3,564 |
| Net loans and leases to deposits | 69.4556% | 4,203 |
| Net loans and leases to core deposits | 77.7087% | 3,718 |
| Total domestic deposits to total assets | 89.5528% | 1,234 |
| Equity capital to assets | 9.7384% | 4,531 |
| Core capital (leverage) ratio | 9.0261% | 4,732 |
| Tier 1 risk-based capital ratio | 13.6813% | 4,570 |
| Total risk-based capital ratio | 14.9364% | 4,525 |
| Memoranda: | ||
| Average total assets | $200,231,000 | 3,054 |
| Average earning assets | $179,112,200 | 3,104 |
| Average equity | $18,650,400 | 3,333 |
| Average total loans | $124,986,800 | 3,082 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5636% | 1,109 |
| Cost of funding earning assets | 1.4907% | 898 |
| Net interest margin | 4.0729% | 2,582 |
| Noninterest income to average assets | 0.7624% | 2,246 |
| Noninterest expense to average assets | 2.8900% | 3,976 |
| Loan and lease loss provision to assets | 0.3516% | 2,760 |
| Net operating income to assets | 0.8142% | 3,084 |
| Return on assets (ROA) | 0.8667% | 3,022 |
| Pretax return on assets | 1.2316% | 2,518 |
| Return on Equity (ROE) | 9.4114% | 2,418 |
| Retained earnings to average equity (ytd only) | 8.8846% | 1,189 |
| Net charge-offs to loans | 0.3354% | 3,414 |
| Credit loss provision to net charge-offs | 168.4713% | 1,793 |
| Earnings coverage of net charge-offs (x) | 7.2261% | 2,393 |
| Efficiency ratio | 65.7095% | 4,770 |
| Assets per employee ($millions) | 3.3343% | 5,405 |
| Cash dividends to net income (ytd only)* | 5.5981% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 3,976 |
| Loan loss allowance to noncurrent loans | 102.0277% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 2.0149% | 3,126 |
| Noncurrent loans to loans | 1.4964% | 4,050 |
| Net loans and leases to total assets | 61.6422% | 3,808 |
| Net loans and leases to deposits | 69.0283% | 4,447 |
| Net loans and leases to core deposits | 77.5440% | 3,974 |
| Total domestic deposits to total assets | 89.3000% | 1,254 |
| Equity capital to assets | 9.8497% | 4,550 |
| Core capital (leverage) ratio | 8.9602% | 4,995 |
| Tier 1 risk-based capital ratio | 13.8612% | 4,442 |
| Total risk-based capital ratio | 15.1140% | 4,403 |
| Memoranda: | ||
| Average total assets | $200,593,750 | 3,067 |
| Average earning assets | $179,065,500 | 3,125 |
| Average equity | $18,473,500 | 3,358 |
| Average total loans | $124,806,250 | 3,107 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5540% | 1,167 |
| Cost of funding earning assets | 1.5303% | 894 |
| Net interest margin | 4.0238% | 2,721 |
| Noninterest income to average assets | 0.7501% | 2,261 |
| Noninterest expense to average assets | 2.7534% | 4,618 |
| Loan and lease loss provision to assets | 0.2600% | 3,325 |
| Net operating income to assets | 0.9237% | 2,541 |
| Return on assets (ROA) | 0.9453% | 2,548 |
| Pretax return on assets | 1.3587% | 1,930 |
| Return on Equity (ROE) | 10.5077% | 1,945 |
| Retained earnings to average equity (ytd only) | 9.9651% | 846 |
| Net charge-offs to loans | 0.2920% | 3,417 |
| Credit loss provision to net charge-offs | 143.4066% | 2,131 |
| Earnings coverage of net charge-offs (x) | 8.7582% | 2,010 |
| Efficiency ratio | 63.4236% | 5,340 |
| Assets per employee ($millions) | 3.5252% | 4,880 |
| Cash dividends to net income (ytd only)* | 5.1633% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 4,399 |
| Loan loss allowance to noncurrent loans | 71.8447% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 2.5432% | 2,632 |
| Noncurrent loans to loans | 2.0036% | 3,474 |
| Net loans and leases to total assets | 59.4729% | 4,383 |
| Net loans and leases to deposits | 66.1391% | 4,986 |
| Net loans and leases to core deposits | 74.2468% | 4,549 |
| Total domestic deposits to total assets | 89.9209% | 1,014 |
| Equity capital to assets | 9.2281% | 5,233 |
| Core capital (leverage) ratio | 8.5514% | 5,473 |
| Tier 1 risk-based capital ratio | 13.4331% | 4,580 |
| Total risk-based capital ratio | 14.6843% | 4,567 |
| Memoranda: | ||
| Average total assets | $200,773,000 | 3,091 |
| Average earning assets | $179,185,670 | 3,146 |
| Average equity | $18,063,000 | 3,406 |
| Average total loans | $124,664,670 | 3,131 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5428% | 1,193 |
| Cost of funding earning assets | 1.5318% | 1,047 |
| Net interest margin | 4.0110% | 2,642 |
| Noninterest income to average assets | 0.7420% | 2,305 |
| Noninterest expense to average assets | 2.6784% | 4,924 |
| Loan and lease loss provision to assets | 0.2433% | 3,235 |
| Net operating income to assets | 0.9807% | 2,246 |
| Return on assets (ROA) | 0.9933% | 2,255 |
| Pretax return on assets | 1.4136% | 1,688 |
| Return on Equity (ROE) | 11.1888% | 1,684 |
| Retained earnings to average equity (ytd only) | 10.6226% | 968 |
| Net charge-offs to loans | 0.3990% | 2,495 |
| Credit loss provision to net charge-offs | 96.8000% | 2,817 |
| Earnings coverage of net charge-offs (x) | 6.5200% | 2,087 |
| Efficiency ratio | 62.0401% | 5,672 |
| Assets per employee ($millions) | 3.5241% | 4,937 |
| Cash dividends to net income (ytd only)* | 5.0607% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 4,850 |
| Loan loss allowance to noncurrent loans | 115.8795% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 2.1996% | 3,064 |
| Noncurrent loans to loans | 1.1746% | 4,733 |
| Net loans and leases to total assets | 60.0249% | 4,256 |
| Net loans and leases to deposits | 66.4110% | 4,910 |
| Net loans and leases to core deposits | 74.2184% | 4,519 |
| Total domestic deposits to total assets | 90.3839% | 913 |
| Equity capital to assets | 8.7487% | 5,578 |
| Core capital (leverage) ratio | 8.5589% | 5,336 |
| Tier 1 risk-based capital ratio | 13.0914% | 4,754 |
| Total risk-based capital ratio | 14.3421% | 4,738 |
| Memoranda: | ||
| Average total assets | $198,928,000 | 3,127 |
| Average earning assets | $177,311,000 | 3,191 |
| Average equity | $17,660,500 | 3,457 |
| Average total loans | $125,309,000 | 3,148 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0225% | 813 |
| Cost of funding earning assets | 1.9570% | 710 |
| Net interest margin | 4.0655% | 2,726 |
| Noninterest income to average assets | 0.7673% | 2,444 |
| Noninterest expense to average assets | 3.2339% | 2,964 |
| Loan and lease loss provision to assets | 0.1960% | 5,273 |
| Net operating income to assets | 0.8373% | 2,642 |
| Return on assets (ROA) | 0.8892% | 2,566 |
| Pretax return on assets | 0.9658% | 3,047 |
| Return on Equity (ROE) | 10.2485% | 1,836 |
| Retained earnings to average equity (ytd only) | 6.9040% | 1,362 |
| Net charge-offs to loans | 0.3151% | 4,446 |
| Credit loss provision to net charge-offs | 97.2500% | 4,772 |
| Earnings coverage of net charge-offs (x) | 5.4850% | 2,612 |
| Efficiency ratio | 74.5269% | 3,289 |
| Assets per employee ($millions) | 3.3355% | 5,346 |
| Cash dividends to net income (ytd only)* | 32.6346% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 4,787 |
| Loan loss allowance to noncurrent loans | 189.1862% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 1.9937% | 3,352 |
| Noncurrent loans to loans | 0.7106% | 5,631 |
| Net loans and leases to total assets | 64.3749% | 3,791 |
| Net loans and leases to deposits | 74.5484% | 4,106 |
| Net loans and leases to core deposits | 82.3268% | 3,859 |
| Total domestic deposits to total assets | 86.3532% | 3,165 |
| Equity capital to assets | 9.0143% | 5,120 |
| Core capital (leverage) ratio | 8.4654% | 5,423 |
| Tier 1 risk-based capital ratio | 12.8033% | 4,771 |
| Total risk-based capital ratio | 14.0536% | 4,737 |
| Memoranda: | ||
| Average total assets | $198,492,000 | 3,121 |
| Average earning assets | $174,396,000 | 3,198 |
| Average equity | $17,222,000 | 3,548 |
| Average total loans | $126,957,600 | 3,179 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0144% | 908 |
| Cost of funding earning assets | 2.0512% | 635 |
| Net interest margin | 3.9632% | 3,274 |
| Noninterest income to average assets | 0.7523% | 2,492 |
| Noninterest expense to average assets | 2.9149% | 4,026 |
| Loan and lease loss provision to assets | 0.2002% | 5,051 |
| Net operating income to assets | 0.7827% | 3,076 |
| Return on assets (ROA) | 0.8304% | 3,015 |
| Pretax return on assets | 1.1821% | 2,555 |
| Return on Equity (ROE) | 9.6613% | 2,260 |
| Retained earnings to average equity (ytd only) | 9.6613% | 878 |
| Net charge-offs to loans | 0.3461% | 3,926 |
| Credit loss provision to net charge-offs | 90.9091% | 4,729 |
| Earnings coverage of net charge-offs (x) | 5.9667% | 2,624 |
| Efficiency ratio | 68.9236% | 4,284 |
| Assets per employee ($millions) | 3.4681% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 4,891 |
| Loan loss allowance to noncurrent loans | 134.0256% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 2.3306% | 3,050 |
| Noncurrent loans to loans | 0.9788% | 5,277 |
| Net loans and leases to total assets | 62.7546% | 4,373 |
| Net loans and leases to deposits | 78.1996% | 3,791 |
| Net loans and leases to core deposits | 86.2255% | 3,618 |
| Total domestic deposits to total assets | 80.2493% | 5,624 |
| Equity capital to assets | 8.9750% | 5,610 |
| Core capital (leverage) ratio | 8.1135% | 6,179 |
| Tier 1 risk-based capital ratio | 12.7247% | 4,797 |
| Total risk-based capital ratio | 13.9747% | 4,774 |
| Memoranda: | ||
| Average total assets | $199,750,250 | 3,144 |
| Average earning assets | $175,241,250 | 3,227 |
| Average equity | $17,167,750 | 3,610 |
| Average total loans | $127,138,000 | 3,227 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9847% | 984 |
| Cost of funding earning assets | 2.0844% | 698 |
| Net interest margin | 3.9003% | 3,445 |
| Noninterest income to average assets | 0.7427% | 2,441 |
| Noninterest expense to average assets | 2.8452% | 4,288 |
| Loan and lease loss provision to assets | 0.2409% | 4,505 |
| Net operating income to assets | 0.7522% | 3,189 |
| Return on assets (ROA) | 0.7979% | 3,128 |
| Pretax return on assets | 1.1320% | 2,664 |
| Return on Equity (ROE) | 9.4235% | 2,306 |
| Retained earnings to average equity (ytd only) | 9.4235% | 980 |
| Net charge-offs to loans | 0.4461% | 3,196 |
| Credit loss provision to net charge-offs | 84.8057% | 4,574 |
| Earnings coverage of net charge-offs (x) | 4.6042% | 2,901 |
| Efficiency ratio | 68.5114% | 4,475 |
| Assets per employee ($millions) | 3.4685% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 4,961 |
| Loan loss allowance to noncurrent loans | 157.5213% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 2.4352% | 2,957 |
| Noncurrent loans to loans | 0.8213% | 5,634 |
| Net loans and leases to total assets | 63.1420% | 4,434 |
| Net loans and leases to deposits | 81.3534% | 3,371 |
| Net loans and leases to core deposits | 90.2000% | 3,223 |
| Total domestic deposits to total assets | 77.6145% | 6,364 |
| Equity capital to assets | 8.6944% | 5,892 |
| Core capital (leverage) ratio | 8.1689% | 6,004 |
| Tier 1 risk-based capital ratio | 12.2204% | 5,104 |
| Total risk-based capital ratio | 13.4692% | 5,080 |
| Memoranda: | ||
| Average total assets | $199,284,670 | 3,175 |
| Average earning assets | $174,243,000 | 3,268 |
| Average equity | $16,872,670 | 3,655 |
| Average total loans | $126,881,670 | 3,263 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0559% | 874 |
| Cost of funding earning assets | 2.1595% | 667 |
| Net interest margin | 3.8963% | 3,346 |
| Noninterest income to average assets | 0.7442% | 2,334 |
| Noninterest expense to average assets | 2.8537% | 4,259 |
| Loan and lease loss provision to assets | 0.2420% | 4,114 |
| Net operating income to assets | 0.7819% | 3,047 |
| Return on assets (ROA) | 0.7966% | 3,085 |
| Pretax return on assets | 1.0890% | 2,776 |
| Return on Equity (ROE) | 9.5390% | 2,274 |
| Retained earnings to average equity (ytd only) | 9.5390% | 1,260 |
| Net charge-offs to loans | 0.7716% | 1,969 |
| Credit loss provision to net charge-offs | 49.3827% | 4,499 |
| Earnings coverage of net charge-offs (x) | 2.6749% | 3,200 |
| Efficiency ratio | 68.5230% | 4,622 |
| Assets per employee ($millions) | 3.3842% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 5,131 |
| Loan loss allowance to noncurrent loans | 131.1001% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 2.5247% | 2,881 |
| Noncurrent loans to loans | 0.9641% | 5,408 |
| Net loans and leases to total assets | 62.0096% | 4,752 |
| Net loans and leases to deposits | 79.6508% | 3,720 |
| Net loans and leases to core deposits | 86.0662% | 3,885 |
| Total domestic deposits to total assets | 77.8518% | 6,354 |
| Equity capital to assets | 8.4269% | 6,115 |
| Core capital (leverage) ratio | 7.9591% | 6,295 |
| Tier 1 risk-based capital ratio | 12.0359% | 5,164 |
| Total risk-based capital ratio | 13.2445% | 5,161 |
| Memoranda: | ||
| Average total assets | $198,339,500 | 3,235 |
| Average earning assets | $174,112,500 | 3,336 |
| Average equity | $16,563,500 | 3,742 |
| Average total loans | $125,977,000 | 3,347 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2310% | 1,161 |
| Cost of funding earning assets | 2.7872% | 462 |
| Net interest margin | 3.4438% | 5,200 |
| Noninterest income to average assets | 0.8736% | 2,059 |
| Noninterest expense to average assets | 3.1189% | 3,655 |
| Loan and lease loss provision to assets | 0.5109% | 3,821 |
| Net operating income to assets | 0.2348% | 4,782 |
| Return on assets (ROA) | 0.2675% | 4,735 |
| Pretax return on assets | 0.2932% | 4,777 |
| Return on Equity (ROE) | 3.4029% | 4,332 |
| Retained earnings to average equity (ytd only) | 2.5381% | 3,375 |
| Net charge-offs to loans | 0.6685% | 3,181 |
| Credit loss provision to net charge-offs | 120.7218% | 4,427 |
| Earnings coverage of net charge-offs (x) | 1.8149% | 4,363 |
| Efficiency ratio | 80.2383% | 2,850 |
| Assets per employee ($millions) | 3.1271% | 5,923 |
| Cash dividends to net income (ytd only)* | 25.4144% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 4,481 |
| Loan loss allowance to noncurrent loans | 68.7047% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 3.1531% | 2,195 |
| Noncurrent loans to loans | 1.9644% | 3,705 |
| Net loans and leases to total assets | 63.3709% | 4,731 |
| Net loans and leases to deposits | 81.4205% | 3,712 |
| Net loans and leases to core deposits | 111.5213% | 2,746 |
| Total domestic deposits to total assets | 77.8316% | 6,261 |
| Equity capital to assets | 8.2742% | 6,230 |
| Core capital (leverage) ratio | 7.6738% | 6,580 |
| Tier 1 risk-based capital ratio | 11.5457% | 5,352 |
| Total risk-based capital ratio | 12.7960% | 5,312 |
| Memoranda: | ||
| Average total assets | $202,956,400 | 3,151 |
| Average earning assets | $177,596,200 | 3,245 |
| Average equity | $15,957,000 | 3,876 |
| Average total loans | $128,492,400 | 3,296 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2565% | 1,222 |
| Cost of funding earning assets | 2.8868% | 485 |
| Net interest margin | 3.3697% | 5,381 |
| Noninterest income to average assets | 0.8895% | 2,028 |
| Noninterest expense to average assets | 2.9099% | 4,416 |
| Loan and lease loss provision to assets | 0.4096% | 3,866 |
| Net operating income to assets | 0.4448% | 4,218 |
| Return on assets (ROA) | 0.4813% | 4,167 |
| Pretax return on assets | 0.5615% | 4,326 |
| Return on Equity (ROE) | 6.1999% | 3,441 |
| Retained earnings to average equity (ytd only) | 5.0405% | 2,466 |
| Net charge-offs to loans | 0.7019% | 2,591 |
| Credit loss provision to net charge-offs | 92.4890% | 5,415 |
| Earnings coverage of net charge-offs (x) | 2.0972% | 4,250 |
| Efficiency ratio | 75.8070% | 3,542 |
| Assets per employee ($millions) | 3.4211% | 5,121 |
| Cash dividends to net income (ytd only)* | 18.6996% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 5,538 |
| Loan loss allowance to noncurrent loans | 53.8994% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 3.0677% | 2,243 |
| Noncurrent loans to loans | 2.0966% | 3,507 |
| Net loans and leases to total assets | 64.1088% | 4,843 |
| Net loans and leases to deposits | 82.5604% | 3,912 |
| Net loans and leases to core deposits | 116.0599% | 2,618 |
| Total domestic deposits to total assets | 77.6508% | 6,180 |
| Equity capital to assets | 8.2330% | 6,593 |
| Core capital (leverage) ratio | 7.5720% | 6,893 |
| Tier 1 risk-based capital ratio | 11.3782% | 5,558 |
| Total risk-based capital ratio | 12.4633% | 5,690 |
| Memoranda: | ||
| Average total assets | $204,443,000 | 3,153 |
| Average earning assets | $178,925,250 | 3,251 |
| Average equity | $15,871,000 | 3,936 |
| Average total loans | $128,976,750 | 3,323 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3451% | 1,100 |
| Cost of funding earning assets | 2.9877% | 491 |
| Net interest margin | 3.3574% | 5,329 |
| Noninterest income to average assets | 0.7891% | 2,466 |
| Noninterest expense to average assets | 2.8776% | 4,590 |
| Loan and lease loss provision to assets | 0.5046% | 3,014 |
| Net operating income to assets | 0.3341% | 4,743 |
| Return on assets (ROA) | 0.3517% | 4,791 |
| Pretax return on assets | 0.3526% | 5,069 |
| Return on Equity (ROE) | 4.6217% | 4,244 |
| Retained earnings to average equity (ytd only) | 2.8549% | 3,738 |
| Net charge-offs to loans | 0.9319% | 1,852 |
| Credit loss provision to net charge-offs | 86.6221% | 5,012 |
| Earnings coverage of net charge-offs (x) | 1.4415% | 4,449 |
| Efficiency ratio | 77.4109% | 3,438 |
| Assets per employee ($millions) | 3.4908% | 4,838 |
| Cash dividends to net income (ytd only)* | 38.2271% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 5,337 |
| Loan loss allowance to noncurrent loans | 54.6551% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 3.1240% | 2,010 |
| Noncurrent loans to loans | 2.0832% | 3,408 |
| Net loans and leases to total assets | 61.1296% | 5,498 |
| Net loans and leases to deposits | 78.7185% | 4,750 |
| Net loans and leases to core deposits | 114.8178% | 2,827 |
| Total domestic deposits to total assets | 77.6559% | 6,167 |
| Equity capital to assets | 7.6487% | 7,133 |
| Core capital (leverage) ratio | 7.3393% | 7,200 |
| Tier 1 risk-based capital ratio | 11.2838% | 5,612 |
| Total risk-based capital ratio | 12.3449% | 5,698 |
| Memoranda: | ||
| Average total assets | $205,308,670 | 3,162 |
| Average earning assets | $179,066,000 | 3,272 |
| Average equity | $15,622,000 | 3,995 |
| Average total loans | $128,342,330 | 3,367 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3818% | 1,109 |
| Cost of funding earning assets | 3.0693% | 500 |
| Net interest margin | 3.3125% | 5,452 |
| Noninterest income to average assets | 0.7981% | 2,337 |
| Noninterest expense to average assets | 2.6987% | 5,014 |
| Loan and lease loss provision to assets | 0.9328% | 1,393 |
| Net operating income to assets | 0.0488% | 6,131 |
| Return on assets (ROA) | 0.0781% | 6,215 |
| Pretax return on assets | 0.0663% | 6,238 |
| Return on Equity (ROE) | 1.0285% | 6,117 |
| Retained earnings to average equity (ytd only) | -1.2085% | 5,935 |
| Net charge-offs to loans | 0.5868% | 2,003 |
| Credit loss provision to net charge-offs | 252.9101% | 1,858 |
| Earnings coverage of net charge-offs (x) | 2.6296% | 3,442 |
| Efficiency ratio | 73.5638% | 3,905 |
| Assets per employee ($millions) | 3.3822% | 5,117 |
| Cash dividends to net income (ytd only)* | 217.5000% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 3,427 |
| Loan loss allowance to noncurrent loans | 96.8584% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 2.6858% | 2,120 |
| Noncurrent loans to loans | 1.4594% | 4,116 |
| Net loans and leases to total assets | 60.4994% | 5,576 |
| Net loans and leases to deposits | 79.2992% | 4,724 |
| Net loans and leases to core deposits | 113.5774% | 3,049 |
| Total domestic deposits to total assets | 76.2926% | 6,454 |
| Equity capital to assets | 7.4440% | 7,401 |
| Core capital (leverage) ratio | 7.2274% | 7,455 |
| Tier 1 risk-based capital ratio | 11.0569% | 5,853 |
| Total risk-based capital ratio | 12.3078% | 5,760 |
| Memoranda: | ||
| Average total assets | $204,985,000 | 3,181 |
| Average earning assets | $177,629,500 | 3,311 |
| Average equity | $15,556,500 | 4,031 |
| Average total loans | $128,838,500 | 3,392 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2622% | 644 |
| Cost of funding earning assets | 3.7207% | 250 |
| Net interest margin | 3.5414% | 5,140 |
| Noninterest income to average assets | 0.9491% | 1,771 |
| Noninterest expense to average assets | 2.9376% | 4,312 |
| Loan and lease loss provision to assets | 0.5749% | 2,528 |
| Net operating income to assets | 0.3720% | 5,262 |
| Return on assets (ROA) | -0.6746% | 6,950 |
| Pretax return on assets | -1.1269% | 7,075 |
| Return on Equity (ROE) | -8.5539% | 7,164 |
| Retained earnings to average equity (ytd only) | -9.0677% | 6,975 |
| Net charge-offs to loans | 0.5717% | 2,103 |
| Credit loss provision to net charge-offs | 161.6809% | 3,194 |
| Earnings coverage of net charge-offs (x) | 3.0470% | 4,561 |
| Efficiency ratio | 73.0571% | 3,737 |
| Assets per employee ($millions) | 3.1789% | 5,542 |
| Cash dividends to net income (ytd only)* | -6.0060% | 7,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 4,651 |
| Loan loss allowance to noncurrent loans | 81.5565% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 2.6689% | 1,788 |
| Noncurrent loans to loans | 1.4544% | 3,618 |
| Net loans and leases to total assets | 63.6444% | 5,349 |
| Net loans and leases to deposits | 92.5576% | 3,041 |
| Net loans and leases to core deposits | 132.5024% | 1,688 |
| Total domestic deposits to total assets | 68.7620% | 7,403 |
| Equity capital to assets | 7.7410% | 7,163 |
| Core capital (leverage) ratio | 7.6811% | 6,966 |
| Tier 1 risk-based capital ratio | 11.0883% | 5,654 |
| Total risk-based capital ratio | 12.2047% | 5,675 |
| Memoranda: | ||
| Average total assets | $197,441,200 | 3,174 |
| Average earning assets | $171,257,600 | 3,319 |
| Average equity | $15,571,800 | 4,010 |
| Average total loans | $122,781,200 | 3,403 |