Home > Mechanics Bank > Performance and Condition Ratios
Mechanics Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 4,214 |
| Cost of funding earning assets | 1.2628% | 3,616 |
| Net interest margin | 2.7946% | 3,380 |
| Noninterest income to average assets | 0.7400% | 938 |
| Noninterest expense to average assets | 2.7878% | 1,500 |
| Loan and lease loss provision to assets | -0.0100% | 4,190 |
| Net operating income to assets | 0.4999% | 3,399 |
| Return on assets (ROA) | 0.5023% | 3,414 |
| Pretax return on assets | 0.6240% | 3,342 |
| Return on Equity (ROE) | 6.7900% | 3,006 |
| Retained earnings to average equity (ytd only) | 4.2897% | 2,623 |
| Net charge-offs to loans | 0.0019% | 2,131 |
| Credit loss provision to net charge-offs | -600.0000% | 4,530 |
| Earnings coverage of net charge-offs (x) | 410.6667% | 230 |
| Efficiency ratio | 82.1138% | 1,028 |
| Assets per employee ($millions) | 5.9165% | 2,908 |
| Cash dividends to net income (ytd only)* | 36.8008% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 3,015 |
| Loan loss allowance to noncurrent loans | 517.4961% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 2,596 |
| Noncurrent loans to loans | 0.2044% | 2,608 |
| Net loans and leases to total assets | 76.2600% | 1,039 |
| Net loans and leases to deposits | 82.6316% | 1,834 |
| Net loans and leases to core deposits | 90.8642% | 1,987 |
| Total domestic deposits to total assets | 92.2900% | 295 |
| Equity capital to assets | 7.3711% | 3,741 |
| Core capital (leverage) ratio | 8.5218% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4623% | 1,010 |
| Memoranda: | ||
| Average total assets | $811,534,000 | 1,199 |
| Average earning assets | $771,626,500 | 1,176 |
| Average equity | $60,051,500 | 1,458 |
| Average total loans | $629,955,500 | 1,093 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7211% | 4,256 |
| Cost of funding earning assets | 0.6316% | 4,030 |
| Net interest margin | 3.0895% | 3,117 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.7312% | 1,662 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7424% | 3,069 |
| Return on assets (ROA) | 0.7504% | 3,025 |
| Pretax return on assets | 0.9388% | 2,850 |
| Return on Equity (ROE) | 10.4300% | 2,376 |
| Retained earnings to average equity (ytd only) | 6.9707% | 1,900 |
| Net charge-offs to loans | 0.0059% | 2,484 |
| Credit loss provision to net charge-offs | 738.8889% | 510 |
| Earnings coverage of net charge-offs (x) | 209.1667% | 570 |
| Efficiency ratio | 73.9824% | 1,463 |
| Assets per employee ($millions) | 5.7205% | 3,053 |
| Cash dividends to net income (ytd only)* | 33.1634% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,031 |
| Loan loss allowance to noncurrent loans | 525.2557% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 2,482 |
| Noncurrent loans to loans | 0.2016% | 2,505 |
| Net loans and leases to total assets | 77.3500% | 930 |
| Net loans and leases to deposits | 83.7726% | 1,800 |
| Net loans and leases to core deposits | 90.3596% | 2,025 |
| Total domestic deposits to total assets | 92.3400% | 256 |
| Equity capital to assets | 7.4288% | 3,753 |
| Core capital (leverage) ratio | 8.5699% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4815% | 999 |
| Memoranda: | ||
| Average total assets | $783,989,200 | 1,201 |
| Average earning assets | $747,630,400 | 1,172 |
| Average equity | $56,407,200 | 1,459 |
| Average total loans | $614,422,400 | 1,075 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6512% | 4,259 |
| Cost of funding earning assets | 0.4990% | 4,137 |
| Net interest margin | 3.1522% | 3,021 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 2.7657% | 1,505 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.7716% | 3,107 |
| Return on assets (ROA) | 0.7774% | 3,081 |
| Pretax return on assets | 0.9708% | 2,929 |
| Return on Equity (ROE) | 10.9000% | 2,400 |
| Retained earnings to average equity (ytd only) | 7.1120% | 2,247 |
| Net charge-offs to loans | 0.0076% | 2,131 |
| Credit loss provision to net charge-offs | 285.7143% | 916 |
| Earnings coverage of net charge-offs (x) | 163.1714% | 692 |
| Efficiency ratio | 73.8699% | 1,372 |
| Assets per employee ($millions) | 5.7176% | 3,000 |
| Cash dividends to net income (ytd only)* | 34.7290% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 3,129 |
| Loan loss allowance to noncurrent loans | 478.7500% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 2,437 |
| Noncurrent loans to loans | 0.2182% | 2,479 |
| Net loans and leases to total assets | 78.1700% | 862 |
| Net loans and leases to deposits | 84.4730% | 1,701 |
| Net loans and leases to core deposits | 89.6980% | 1,949 |
| Total domestic deposits to total assets | 92.5400% | 368 |
| Equity capital to assets | 7.0544% | 3,582 |
| Core capital (leverage) ratio | 8.6506% | 4,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3068% | 1,054 |
| Memoranda: | ||
| Average total assets | $778,338,000 | 1,204 |
| Average earning assets | $742,015,750 | 1,178 |
| Average equity | $55,529,000 | 1,464 |
| Average total loans | $610,375,500 | 1,079 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5886% | 4,264 |
| Cost of funding earning assets | 0.3889% | 4,186 |
| Net interest margin | 3.1998% | 2,997 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.7647% | 1,490 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.7965% | 3,093 |
| Return on assets (ROA) | 0.8028% | 3,081 |
| Pretax return on assets | 1.0104% | 2,883 |
| Return on Equity (ROE) | 11.2100% | 2,370 |
| Retained earnings to average equity (ytd only) | 8.5032% | 1,818 |
| Net charge-offs to loans | 0.0046% | 2,113 |
| Credit loss provision to net charge-offs | 628.5714% | 559 |
| Earnings coverage of net charge-offs (x) | 282.5000% | 476 |
| Efficiency ratio | 73.0310% | 1,452 |
| Assets per employee ($millions) | 5.3218% | 3,308 |
| Cash dividends to net income (ytd only)* | 24.1479% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,117 |
| Loan loss allowance to noncurrent loans | 539.2887% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 2,466 |
| Noncurrent loans to loans | 0.1973% | 2,477 |
| Net loans and leases to total assets | 77.4900% | 887 |
| Net loans and leases to deposits | 83.7760% | 1,689 |
| Net loans and leases to core deposits | 87.7354% | 1,944 |
| Total domestic deposits to total assets | 92.5000% | 324 |
| Equity capital to assets | 7.2087% | 3,685 |
| Core capital (leverage) ratio | 8.6640% | 4,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3262% | 1,060 |
| Memoranda: | ||
| Average total assets | $774,775,667 | 1,206 |
| Average earning assets | $738,555,667 | 1,181 |
| Average equity | $55,485,000 | 1,468 |
| Average total loans | $606,063,667 | 1,072 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5397% | 4,222 |
| Cost of funding earning assets | 0.2531% | 4,290 |
| Net interest margin | 3.2866% | 2,911 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.7271% | 1,600 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 0.8983% | 2,863 |
| Return on assets (ROA) | 0.9065% | 2,790 |
| Pretax return on assets | 1.1410% | 2,595 |
| Return on Equity (ROE) | 12.7200% | 2,042 |
| Retained earnings to average equity (ytd only) | 9.9894% | 1,701 |
| Net charge-offs to loans | 0.0113% | 1,524 |
| Credit loss provision to net charge-offs | -147.0588% | 4,601 |
| Earnings coverage of net charge-offs (x) | 125.8235% | 683 |
| Efficiency ratio | 71.0751% | 1,634 |
| Assets per employee ($millions) | 5.2906% | 3,426 |
| Cash dividends to net income (ytd only)* | 21.4654% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 3,260 |
| Loan loss allowance to noncurrent loans | 586.4469% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 2,509 |
| Noncurrent loans to loans | 0.1804% | 2,577 |
| Net loans and leases to total assets | 78.0900% | 757 |
| Net loans and leases to deposits | 84.5554% | 1,459 |
| Net loans and leases to core deposits | 87.6953% | 1,764 |
| Total domestic deposits to total assets | 92.3500% | 432 |
| Equity capital to assets | 7.2836% | 3,682 |
| Core capital (leverage) ratio | 8.5489% | 4,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1890% | 1,129 |
| Memoranda: | ||
| Average total assets | $770,917,500 | 1,225 |
| Average earning assets | $734,872,500 | 1,196 |
| Average equity | $54,938,000 | 1,493 |
| Average total loans | $602,712,000 | 1,089 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1602% | 3,889 |
| Cost of funding earning assets | 0.1244% | 4,259 |
| Net interest margin | 3.0358% | 3,339 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.4370% | 2,311 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.8926% | 2,994 |
| Return on assets (ROA) | 0.8915% | 2,935 |
| Pretax return on assets | 1.1227% | 2,703 |
| Return on Equity (ROE) | 12.9800% | 1,822 |
| Retained earnings to average equity (ytd only) | 10.3332% | 1,059 |
| Net charge-offs to loans | 0.0243% | 1,574 |
| Credit loss provision to net charge-offs | 142.8571% | 1,335 |
| Earnings coverage of net charge-offs (x) | 64.9857% | 1,199 |
| Efficiency ratio | 67.9524% | 1,972 |
| Assets per employee ($millions) | 5.5336% | 3,180 |
| Cash dividends to net income (ytd only)* | 20.4053% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 3,601 |
| Loan loss allowance to noncurrent loans | 473.8769% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 2,447 |
| Noncurrent loans to loans | 0.2003% | 2,486 |
| Net loans and leases to total assets | 76.7100% | 931 |
| Net loans and leases to deposits | 82.6343% | 1,570 |
| Net loans and leases to core deposits | 84.2640% | 1,866 |
| Total domestic deposits to total assets | 92.8300% | 441 |
| Equity capital to assets | 6.9705% | 3,684 |
| Core capital (leverage) ratio | 8.2048% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3239% | 1,079 |
| Memoranda: | ||
| Average total assets | $791,597,800 | 1,194 |
| Average earning assets | $760,658,400 | 1,159 |
| Average equity | $54,359,000 | 1,512 |
| Average total loans | $575,372,000 | 1,064 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0282% | 3,836 |
| Cost of funding earning assets | 0.1292% | 4,043 |
| Net interest margin | 2.8991% | 3,504 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.3564% | 2,453 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8514% | 3,059 |
| Return on assets (ROA) | 0.8481% | 3,048 |
| Pretax return on assets | 1.0677% | 2,818 |
| Return on Equity (ROE) | 12.4000% | 1,911 |
| Retained earnings to average equity (ytd only) | 9.9468% | 1,354 |
| Net charge-offs to loans | 0.0253% | 1,316 |
| Credit loss provision to net charge-offs | 113.8889% | 1,248 |
| Earnings coverage of net charge-offs (x) | 60.3796% | 1,171 |
| Efficiency ratio | 68.3231% | 1,975 |
| Assets per employee ($millions) | 5.9131% | 2,835 |
| Cash dividends to net income (ytd only)* | 19.7550% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 3,655 |
| Loan loss allowance to noncurrent loans | 538.0952% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 2,685 |
| Noncurrent loans to loans | 0.1783% | 2,695 |
| Net loans and leases to total assets | 73.6200% | 1,131 |
| Net loans and leases to deposits | 79.0083% | 1,634 |
| Net loans and leases to core deposits | 81.0711% | 1,823 |
| Total domestic deposits to total assets | 93.1800% | 530 |
| Equity capital to assets | 6.4875% | 3,745 |
| Core capital (leverage) ratio | 7.8876% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4017% | 1,104 |
| Memoranda: | ||
| Average total assets | $795,821,500 | 1,194 |
| Average earning assets | $766,014,750 | 1,159 |
| Average equity | $54,448,500 | 1,524 |
| Average total loans | $569,221,000 | 1,070 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9021% | 3,774 |
| Cost of funding earning assets | 0.1397% | 3,712 |
| Net interest margin | 2.7624% | 3,547 |
| Noninterest income to average assets | 0.6557% | 1,517 |
| Noninterest expense to average assets | 2.3175% | 2,497 |
| Loan and lease loss provision to assets | 0.0153% | 2,322 |
| Net operating income to assets | 0.7806% | 3,024 |
| Return on assets (ROA) | 0.7754% | 3,010 |
| Pretax return on assets | 0.9764% | 2,811 |
| Return on Equity (ROE) | 11.1425% | 1,936 |
| Retained earnings to average equity (ytd only) | 8.6183% | 1,394 |
| Net charge-offs to loans | -0.0011% | 3,046 |
| Credit loss provision to net charge-offs | -2,033.3333% | 3,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8933% | 1,976 |
| Assets per employee ($millions) | 5.5420% | 3,183 |
| Cash dividends to net income (ytd only)* | 22.6537% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 3,656 |
| Loan loss allowance to noncurrent loans | 588.8430% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 2,859 |
| Noncurrent loans to loans | 0.1676% | 2,855 |
| Net loans and leases to total assets | 71.6445% | 1,150 |
| Net loans and leases to deposits | 77.0150% | 1,609 |
| Net loans and leases to core deposits | 80.2046% | 1,702 |
| Total domestic deposits to total assets | 93.0266% | 508 |
| Equity capital to assets | 6.7120% | 3,937 |
| Core capital (leverage) ratio | 7.7165% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2399% | 1,138 |
| Memoranda: | ||
| Average total assets | $796,976,000 | 1,195 |
| Average earning assets | $767,445,000 | 1,168 |
| Average equity | $55,463,333 | 1,534 |
| Average total loans | $562,627,667 | 1,069 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7919% | 3,759 |
| Cost of funding earning assets | 0.1557% | 3,423 |
| Net interest margin | 2.6362% | 3,565 |
| Noninterest income to average assets | 0.6358% | 1,550 |
| Noninterest expense to average assets | 2.2967% | 2,514 |
| Loan and lease loss provision to assets | 0.0171% | 2,047 |
| Net operating income to assets | 0.6855% | 3,108 |
| Return on assets (ROA) | 0.6795% | 3,117 |
| Pretax return on assets | 0.8568% | 2,920 |
| Return on Equity (ROE) | 9.5936% | 2,124 |
| Retained earnings to average equity (ytd only) | 4.6302% | 2,729 |
| Net charge-offs to loans | -0.0014% | 3,058 |
| Credit loss provision to net charge-offs | -1,700.0000% | 3,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2661% | 1,941 |
| Assets per employee ($millions) | 5.8212% | 2,977 |
| Cash dividends to net income (ytd only)* | 51.7369% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 3,653 |
| Loan loss allowance to noncurrent loans | 572.9293% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 2,943 |
| Noncurrent loans to loans | 0.1772% | 2,932 |
| Net loans and leases to total assets | 69.3557% | 1,076 |
| Net loans and leases to deposits | 74.6388% | 1,552 |
| Net loans and leases to core deposits | 78.1203% | 1,604 |
| Total domestic deposits to total assets | 92.9218% | 289 |
| Equity capital to assets | 6.7977% | 4,298 |
| Core capital (leverage) ratio | 7.6317% | 4,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4766% | 1,151 |
| Memoranda: | ||
| Average total assets | $796,441,500 | 1,199 |
| Average earning assets | $768,078,000 | 1,170 |
| Average equity | $56,412,500 | 1,560 |
| Average total loans | $555,214,000 | 1,070 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0589% | 3,763 |
| Cost of funding earning assets | 0.3100% | 2,296 |
| Net interest margin | 2.7489% | 3,783 |
| Noninterest income to average assets | 0.6819% | 1,824 |
| Noninterest expense to average assets | 2.3651% | 2,603 |
| Loan and lease loss provision to assets | 0.0527% | 2,005 |
| Net operating income to assets | 0.7242% | 3,555 |
| Return on assets (ROA) | 0.7295% | 3,608 |
| Pretax return on assets | 0.9196% | 3,457 |
| Return on Equity (ROE) | 9.5969% | 2,677 |
| Retained earnings to average equity (ytd only) | 6.8486% | 1,982 |
| Net charge-offs to loans | 0.0009% | 2,652 |
| Credit loss provision to net charge-offs | 7,860.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 1,441.2000% | 101 |
| Efficiency ratio | 71.0090% | 1,616 |
| Assets per employee ($millions) | 5.8056% | 2,946 |
| Cash dividends to net income (ytd only)* | 28.6370% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 3,654 |
| Loan loss allowance to noncurrent loans | 506.8345% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 2,953 |
| Noncurrent loans to loans | 0.2016% | 2,942 |
| Net loans and leases to total assets | 68.6472% | 1,192 |
| Net loans and leases to deposits | 74.2428% | 1,707 |
| Net loans and leases to core deposits | 77.9625% | 1,763 |
| Total domestic deposits to total assets | 92.4632% | 98 |
| Equity capital to assets | 7.3692% | 4,631 |
| Core capital (leverage) ratio | 7.5857% | 4,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5760% | 1,148 |
| Memoranda: | ||
| Average total assets | $746,266,600 | 1,231 |
| Average earning assets | $719,090,000 | 1,191 |
| Average equity | $56,726,800 | 1,589 |
| Average total loans | $537,416,200 | 1,105 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1005% | 3,807 |
| Cost of funding earning assets | 0.3347% | 2,255 |
| Net interest margin | 2.7659% | 3,852 |
| Noninterest income to average assets | 0.6834% | 1,875 |
| Noninterest expense to average assets | 2.2835% | 2,798 |
| Loan and lease loss provision to assets | 0.0638% | 1,722 |
| Net operating income to assets | 0.7945% | 3,533 |
| Return on assets (ROA) | 0.7996% | 3,595 |
| Pretax return on assets | 1.0056% | 3,439 |
| Return on Equity (ROE) | 10.4331% | 2,578 |
| Retained earnings to average equity (ytd only) | 7.5440% | 2,205 |
| Net charge-offs to loans | 0.0027% | 2,260 |
| Credit loss provision to net charge-offs | 3,190.9091% | 225 |
| Earnings coverage of net charge-offs (x) | 532.0000% | 282 |
| Efficiency ratio | 68.2354% | 1,786 |
| Assets per employee ($millions) | 5.6212% | 3,073 |
| Cash dividends to net income (ytd only)* | 27.6920% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 3,758 |
| Loan loss allowance to noncurrent loans | 481.3092% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 3,120 |
| Noncurrent loans to loans | 0.2129% | 3,101 |
| Net loans and leases to total assets | 69.0834% | 1,182 |
| Net loans and leases to deposits | 74.8745% | 1,772 |
| Net loans and leases to core deposits | 79.9090% | 1,739 |
| Total domestic deposits to total assets | 92.2656% | 83 |
| Equity capital to assets | 7.4873% | 4,711 |
| Core capital (leverage) ratio | 7.7231% | 4,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4773% | 1,255 |
| Memoranda: | ||
| Average total assets | $733,989,750 | 1,257 |
| Average earning assets | $706,743,250 | 1,223 |
| Average equity | $56,255,250 | 1,616 |
| Average total loans | $533,860,750 | 1,133 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0951% | 3,883 |
| Cost of funding earning assets | 0.3525% | 2,299 |
| Net interest margin | 2.7426% | 3,895 |
| Noninterest income to average assets | 0.6811% | 1,887 |
| Noninterest expense to average assets | 2.2949% | 2,782 |
| Loan and lease loss provision to assets | 0.0844% | 1,454 |
| Net operating income to assets | 0.7497% | 3,642 |
| Return on assets (ROA) | 0.7552% | 3,697 |
| Pretax return on assets | 0.9501% | 3,544 |
| Return on Equity (ROE) | 9.7718% | 2,842 |
| Retained earnings to average equity (ytd only) | 6.6046% | 2,584 |
| Net charge-offs to loans | 0.0030% | 2,077 |
| Credit loss provision to net charge-offs | 3,787.5000% | 174 |
| Earnings coverage of net charge-offs (x) | 461.2500% | 282 |
| Efficiency ratio | 69.0722% | 1,749 |
| Assets per employee ($millions) | 5.3383% | 3,299 |
| Cash dividends to net income (ytd only)* | 32.4115% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 3,698 |
| Loan loss allowance to noncurrent loans | 428.6930% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 3,109 |
| Noncurrent loans to loans | 0.2414% | 3,083 |
| Net loans and leases to total assets | 70.9407% | 1,093 |
| Net loans and leases to deposits | 76.8710% | 1,740 |
| Net loans and leases to core deposits | 81.7438% | 1,746 |
| Total domestic deposits to total assets | 92.2854% | 81 |
| Equity capital to assets | 7.5379% | 4,724 |
| Core capital (leverage) ratio | 7.6402% | 4,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4871% | 1,230 |
| Memoranda: | ||
| Average total assets | $718,206,333 | 1,273 |
| Average earning assets | $691,682,333 | 1,234 |
| Average equity | $55,506,667 | 1,628 |
| Average total loans | $530,026,333 | 1,141 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1293% | 3,831 |
| Cost of funding earning assets | 0.3734% | 2,325 |
| Net interest margin | 2.7560% | 3,857 |
| Noninterest income to average assets | 0.6725% | 1,950 |
| Noninterest expense to average assets | 2.3069% | 2,764 |
| Loan and lease loss provision to assets | 0.0870% | 1,515 |
| Net operating income to assets | 0.7414% | 3,597 |
| Return on assets (ROA) | 0.7532% | 3,634 |
| Pretax return on assets | 0.9454% | 3,503 |
| Return on Equity (ROE) | 9.6203% | 2,811 |
| Retained earnings to average equity (ytd only) | 5.6996% | 3,002 |
| Net charge-offs to loans | 0.0008% | 1,916 |
| Credit loss provision to net charge-offs | 15,300.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 1,790.0000% | 45 |
| Efficiency ratio | 69.3912% | 1,771 |
| Assets per employee ($millions) | 5.1143% | 3,516 |
| Cash dividends to net income (ytd only)* | 40.7547% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 3,761 |
| Loan loss allowance to noncurrent loans | 382.4363% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 3,193 |
| Noncurrent loans to loans | 0.2672% | 3,152 |
| Net loans and leases to total assets | 72.0103% | 1,028 |
| Net loans and leases to deposits | 78.4385% | 1,678 |
| Net loans and leases to core deposits | 83.3272% | 1,732 |
| Total domestic deposits to total assets | 91.8049% | 185 |
| Equity capital to assets | 7.5620% | 4,688 |
| Core capital (leverage) ratio | 7.9750% | 4,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5751% | 1,149 |
| Memoranda: | ||
| Average total assets | $703,626,500 | 1,280 |
| Average earning assets | $677,079,000 | 1,247 |
| Average equity | $55,092,000 | 1,630 |
| Average total loans | $527,174,500 | 1,144 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4526% | 4,114 |
| Cost of funding earning assets | 0.4726% | 3,133 |
| Net interest margin | 2.9800% | 3,935 |
| Noninterest income to average assets | 0.6714% | 1,948 |
| Noninterest expense to average assets | 2.6237% | 2,470 |
| Loan and lease loss provision to assets | 0.1048% | 3,026 |
| Net operating income to assets | 0.6330% | 3,640 |
| Return on assets (ROA) | 0.6338% | 3,766 |
| Pretax return on assets | 0.8004% | 3,624 |
| Return on Equity (ROE) | 7.8042% | 2,890 |
| Retained earnings to average equity (ytd only) | 5.3183% | 2,133 |
| Net charge-offs to loans | 0.0128% | 2,875 |
| Credit loss provision to net charge-offs | 1,012.5000% | 775 |
| Earnings coverage of net charge-offs (x) | 87.3750% | 854 |
| Efficiency ratio | 74.3745% | 1,398 |
| Assets per employee ($millions) | 4.8299% | 3,570 |
| Cash dividends to net income (ytd only)* | 31.8541% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 3,878 |
| Loan loss allowance to noncurrent loans | 369.5775% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 3,247 |
| Noncurrent loans to loans | 0.2700% | 3,226 |
| Net loans and leases to total assets | 76.4645% | 739 |
| Net loans and leases to deposits | 83.4621% | 1,503 |
| Net loans and leases to core deposits | 88.4833% | 1,646 |
| Total domestic deposits to total assets | 91.6158% | 115 |
| Equity capital to assets | 8.1152% | 4,659 |
| Core capital (leverage) ratio | 8.2905% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6744% | 1,111 |
| Memoranda: | ||
| Average total assets | $618,602,400 | 1,299 |
| Average earning assets | $592,911,800 | 1,274 |
| Average equity | $50,242,000 | 1,686 |
| Average total loans | $499,067,400 | 1,140 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5084% | 4,197 |
| Cost of funding earning assets | 0.5032% | 3,202 |
| Net interest margin | 3.0052% | 3,967 |
| Noninterest income to average assets | 0.6737% | 1,888 |
| Noninterest expense to average assets | 2.5912% | 2,556 |
| Loan and lease loss provision to assets | 0.1106% | 2,936 |
| Net operating income to assets | 0.6717% | 3,560 |
| Return on assets (ROA) | 0.6682% | 3,674 |
| Pretax return on assets | 0.8449% | 3,529 |
| Return on Equity (ROE) | 8.2253% | 2,717 |
| Retained earnings to average equity (ytd only) | 5.7430% | 2,214 |
| Net charge-offs to loans | 0.0176% | 2,510 |
| Credit loss provision to net charge-offs | 769.2308% | 1,009 |
| Earnings coverage of net charge-offs (x) | 66.7846% | 1,028 |
| Efficiency ratio | 72.9701% | 1,529 |
| Assets per employee ($millions) | 4.7253% | 3,567 |
| Cash dividends to net income (ytd only)* | 30.1787% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 3,802 |
| Loan loss allowance to noncurrent loans | 314.3650% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 3,179 |
| Noncurrent loans to loans | 0.3101% | 3,172 |
| Net loans and leases to total assets | 80.0149% | 614 |
| Net loans and leases to deposits | 87.7251% | 1,520 |
| Net loans and leases to core deposits | 91.9922% | 1,798 |
| Total domestic deposits to total assets | 91.2109% | 134 |
| Equity capital to assets | 8.3433% | 4,549 |
| Core capital (leverage) ratio | 8.4349% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6040% | 1,114 |
| Memoranda: | ||
| Average total assets | $602,998,750 | 1,308 |
| Average earning assets | $577,343,250 | 1,281 |
| Average equity | $48,986,000 | 1,713 |
| Average total loans | $492,338,250 | 1,145 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5723% | 4,308 |
| Cost of funding earning assets | 0.5328% | 3,331 |
| Net interest margin | 3.0395% | 4,039 |
| Noninterest income to average assets | 0.6712% | 1,848 |
| Noninterest expense to average assets | 2.6259% | 2,585 |
| Loan and lease loss provision to assets | 0.0928% | 3,109 |
| Net operating income to assets | 0.6770% | 3,475 |
| Return on assets (ROA) | 0.6719% | 3,598 |
| Pretax return on assets | 0.8517% | 3,453 |
| Return on Equity (ROE) | 8.3533% | 2,613 |
| Retained earnings to average equity (ytd only) | 5.7873% | 2,164 |
| Net charge-offs to loans | 0.0133% | 2,491 |
| Credit loss provision to net charge-offs | 853.1250% | 878 |
| Earnings coverage of net charge-offs (x) | 87.4063% | 760 |
| Efficiency ratio | 73.4125% | 1,520 |
| Assets per employee ($millions) | 4.5138% | 3,770 |
| Cash dividends to net income (ytd only)* | 30.7186% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 3,729 |
| Loan loss allowance to noncurrent loans | 247.2278% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 3,051 |
| Noncurrent loans to loans | 0.3909% | 3,002 |
| Net loans and leases to total assets | 80.1043% | 584 |
| Net loans and leases to deposits | 87.3069% | 1,628 |
| Net loans and leases to core deposits | 91.6515% | 1,935 |
| Total domestic deposits to total assets | 91.7502% | 67 |
| Equity capital to assets | 7.6805% | 4,836 |
| Core capital (leverage) ratio | 7.8001% | 4,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2011% | 1,445 |
| Memoranda: | ||
| Average total assets | $588,207,667 | 1,315 |
| Average earning assets | $562,326,000 | 1,291 |
| Average equity | $47,310,667 | 1,754 |
| Average total loans | $482,086,667 | 1,147 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7774% | 4,264 |
| Cost of funding earning assets | 0.5725% | 3,579 |
| Net interest margin | 3.2049% | 3,842 |
| Noninterest income to average assets | 0.6880% | 1,686 |
| Noninterest expense to average assets | 2.7766% | 2,494 |
| Loan and lease loss provision to assets | 0.0176% | 3,576 |
| Net operating income to assets | 0.7500% | 3,092 |
| Return on assets (ROA) | 0.7344% | 3,235 |
| Pretax return on assets | 0.9300% | 3,053 |
| Return on Equity (ROE) | 8.9095% | 2,147 |
| Retained earnings to average equity (ytd only) | 6.3151% | 1,768 |
| Net charge-offs to loans | 0.0290% | 1,801 |
| Credit loss provision to net charge-offs | 73.5294% | 1,962 |
| Earnings coverage of net charge-offs (x) | 40.4412% | 1,022 |
| Efficiency ratio | 74.1638% | 1,790 |
| Assets per employee ($millions) | 4.2229% | 3,623 |
| Cash dividends to net income (ytd only)* | 29.1188% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 3,803 |
| Loan loss allowance to noncurrent loans | 250.8082% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 3,155 |
| Noncurrent loans to loans | 0.3911% | 3,083 |
| Net loans and leases to total assets | 81.8124% | 454 |
| Net loans and leases to deposits | 90.6619% | 1,436 |
| Net loans and leases to core deposits | 95.1455% | 1,871 |
| Total domestic deposits to total assets | 90.2389% | 258 |
| Equity capital to assets | 8.2779% | 4,906 |
| Core capital (leverage) ratio | 8.2753% | 4,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2534% | 1,539 |
| Memoranda: | ||
| Average total assets | $568,600,500 | 1,312 |
| Average earning assets | $542,170,500 | 1,281 |
| Average equity | $46,871,500 | 1,761 |
| Average total loans | $469,381,500 | 1,149 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9662% | 4,329 |
| Cost of funding earning assets | 0.5423% | 3,913 |
| Net interest margin | 3.4238% | 3,668 |
| Noninterest income to average assets | 0.7278% | 1,712 |
| Noninterest expense to average assets | 2.9665% | 2,109 |
| Loan and lease loss provision to assets | 0.0301% | 3,414 |
| Net operating income to assets | 0.7957% | 3,567 |
| Return on assets (ROA) | 0.8013% | 3,639 |
| Pretax return on assets | 1.0020% | 3,458 |
| Return on Equity (ROE) | 9.9046% | 2,341 |
| Retained earnings to average equity (ytd only) | 7.2015% | 1,308 |
| Net charge-offs to loans | 0.0179% | 3,073 |
| Credit loss provision to net charge-offs | 203.7037% | 1,303 |
| Earnings coverage of net charge-offs (x) | 69.2840% | 890 |
| Efficiency ratio | 74.3158% | 1,572 |
| Assets per employee ($millions) | 3.9921% | 3,905 |
| Cash dividends to net income (ytd only)* | 27.2914% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,477 |
| Loan loss allowance to noncurrent loans | 242.7902% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 3,044 |
| Noncurrent loans to loans | 0.4138% | 2,960 |
| Net loans and leases to total assets | 81.6477% | 593 |
| Net loans and leases to deposits | 90.0856% | 1,581 |
| Net loans and leases to core deposits | 94.0120% | 2,060 |
| Total domestic deposits to total assets | 90.6335% | 171 |
| Equity capital to assets | 8.2080% | 5,006 |
| Core capital (leverage) ratio | 8.2897% | 4,950 |
| Tier 1 risk-based capital ratio | 15.3725% | 2,627 |
| Total risk-based capital ratio | 16.6260% | 2,558 |
| Memoranda: | ||
| Average total assets | $547,382,400 | 1,310 |
| Average earning assets | $521,814,000 | 1,286 |
| Average equity | $44,282,600 | 1,780 |
| Average total loans | $451,737,800 | 1,154 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9904% | 4,384 |
| Cost of funding earning assets | 0.5310% | 4,018 |
| Net interest margin | 3.4594% | 3,701 |
| Noninterest income to average assets | 0.7259% | 1,681 |
| Noninterest expense to average assets | 2.9543% | 2,095 |
| Loan and lease loss provision to assets | 0.0348% | 3,203 |
| Net operating income to assets | 0.8268% | 3,590 |
| Return on assets (ROA) | 0.8338% | 3,647 |
| Pretax return on assets | 1.0411% | 3,474 |
| Return on Equity (ROE) | 10.3461% | 2,270 |
| Retained earnings to average equity (ytd only) | 7.6249% | 1,570 |
| Net charge-offs to loans | 0.0184% | 2,765 |
| Credit loss provision to net charge-offs | 229.0323% | 1,176 |
| Earnings coverage of net charge-offs (x) | 70.1653% | 946 |
| Efficiency ratio | 73.4643% | 1,645 |
| Assets per employee ($millions) | 4.0792% | 3,793 |
| Cash dividends to net income (ytd only)* | 26.3018% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 3,469 |
| Loan loss allowance to noncurrent loans | 263.7238% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 3,274 |
| Noncurrent loans to loans | 0.3861% | 3,166 |
| Net loans and leases to total assets | 81.6593% | 609 |
| Net loans and leases to deposits | 91.9061% | 1,445 |
| Net loans and leases to core deposits | 96.1132% | 1,981 |
| Total domestic deposits to total assets | 88.8508% | 672 |
| Equity capital to assets | 8.2004% | 5,092 |
| Core capital (leverage) ratio | 8.2958% | 5,033 |
| Tier 1 risk-based capital ratio | 15.3230% | 2,704 |
| Total risk-based capital ratio | 16.5768% | 2,634 |
| Memoranda: | ||
| Average total assets | $543,506,000 | 1,328 |
| Average earning assets | $517,768,250 | 1,298 |
| Average equity | $43,802,750 | 1,807 |
| Average total loans | $448,610,000 | 1,165 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9961% | 4,383 |
| Cost of funding earning assets | 0.5081% | 4,082 |
| Net interest margin | 3.4880% | 3,635 |
| Noninterest income to average assets | 0.7440% | 1,545 |
| Noninterest expense to average assets | 2.9992% | 2,010 |
| Loan and lease loss provision to assets | 0.0378% | 3,057 |
| Net operating income to assets | 0.8250% | 3,564 |
| Return on assets (ROA) | 0.8285% | 3,611 |
| Pretax return on assets | 1.0338% | 3,438 |
| Return on Equity (ROE) | 10.3424% | 2,236 |
| Retained earnings to average equity (ytd only) | 7.5024% | 1,595 |
| Net charge-offs to loans | 0.0126% | 2,688 |
| Credit loss provision to net charge-offs | 364.2857% | 782 |
| Earnings coverage of net charge-offs (x) | 102.8571% | 681 |
| Efficiency ratio | 73.7562% | 1,670 |
| Assets per employee ($millions) | 4.1434% | 3,663 |
| Cash dividends to net income (ytd only)* | 27.4597% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 3,448 |
| Loan loss allowance to noncurrent loans | 290.5119% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 3,386 |
| Noncurrent loans to loans | 0.3542% | 3,277 |
| Net loans and leases to total assets | 81.2372% | 703 |
| Net loans and leases to deposits | 90.9630% | 1,633 |
| Net loans and leases to core deposits | 95.8902% | 2,082 |
| Total domestic deposits to total assets | 89.3080% | 535 |
| Equity capital to assets | 8.0853% | 5,160 |
| Core capital (leverage) ratio | 8.2225% | 5,099 |
| Tier 1 risk-based capital ratio | 15.0527% | 2,816 |
| Total risk-based capital ratio | 16.3064% | 2,736 |
| Memoranda: | ||
| Average total assets | $539,752,670 | 1,339 |
| Average earning assets | $514,104,330 | 1,307 |
| Average equity | $43,239,330 | 1,819 |
| Average total loans | $445,587,330 | 1,173 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 4,488 |
| Cost of funding earning assets | 0.4748% | 4,185 |
| Net interest margin | 3.4648% | 3,701 |
| Noninterest income to average assets | 0.7399% | 1,466 |
| Noninterest expense to average assets | 3.0219% | 1,929 |
| Loan and lease loss provision to assets | 0.0359% | 2,902 |
| Net operating income to assets | 0.7933% | 3,644 |
| Return on assets (ROA) | 0.8006% | 3,661 |
| Pretax return on assets | 0.9923% | 3,463 |
| Return on Equity (ROE) | 10.0420% | 2,352 |
| Retained earnings to average equity (ytd only) | 6.9139% | 2,076 |
| Net charge-offs to loans | 0.0271% | 1,911 |
| Credit loss provision to net charge-offs | 160.0000% | 1,189 |
| Earnings coverage of net charge-offs (x) | 45.3667% | 1,078 |
| Efficiency ratio | 74.7776% | 1,640 |
| Assets per employee ($millions) | 3.9975% | 3,927 |
| Cash dividends to net income (ytd only)* | 31.1506% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 3,461 |
| Loan loss allowance to noncurrent loans | 229.7851% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 3,108 |
| Noncurrent loans to loans | 0.4529% | 2,959 |
| Net loans and leases to total assets | 81.0159% | 708 |
| Net loans and leases to deposits | 89.8493% | 1,652 |
| Net loans and leases to core deposits | 94.9804% | 2,029 |
| Total domestic deposits to total assets | 90.1687% | 396 |
| Equity capital to assets | 8.0044% | 5,180 |
| Core capital (leverage) ratio | 8.2582% | 5,117 |
| Tier 1 risk-based capital ratio | 15.2140% | 2,789 |
| Total risk-based capital ratio | 16.4681% | 2,693 |
| Memoranda: | ||
| Average total assets | $534,092,500 | 1,353 |
| Average earning assets | $508,891,500 | 1,320 |
| Average equity | $42,581,000 | 1,833 |
| Average total loans | $442,216,000 | 1,186 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8629% | 4,361 |
| Cost of funding earning assets | 0.3247% | 4,436 |
| Net interest margin | 3.5381% | 3,582 |
| Noninterest income to average assets | 0.7350% | 1,711 |
| Noninterest expense to average assets | 3.0778% | 1,855 |
| Loan and lease loss provision to assets | 0.0392% | 3,414 |
| Net operating income to assets | 0.7493% | 3,972 |
| Return on assets (ROA) | 0.7465% | 3,982 |
| Pretax return on assets | 0.9825% | 3,665 |
| Return on Equity (ROE) | 9.2029% | 2,888 |
| Retained earnings to average equity (ytd only) | -0.5976% | 5,052 |
| Net charge-offs to loans | 0.0526% | 2,403 |
| Credit loss provision to net charge-offs | 90.6667% | 2,710 |
| Earnings coverage of net charge-offs (x) | 23.6889% | 1,840 |
| Efficiency ratio | 75.0129% | 1,495 |
| Assets per employee ($millions) | 3.8862% | 4,048 |
| Cash dividends to net income (ytd only)* | 106.4932% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 3,474 |
| Loan loss allowance to noncurrent loans | 175.6809% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 2,604 |
| Noncurrent loans to loans | 0.5890% | 2,525 |
| Net loans and leases to total assets | 82.8804% | 528 |
| Net loans and leases to deposits | 92.1222% | 1,534 |
| Net loans and leases to core deposits | 97.5721% | 1,899 |
| Total domestic deposits to total assets | 89.9679% | 490 |
| Equity capital to assets | 7.9401% | 5,182 |
| Core capital (leverage) ratio | 8.1671% | 5,183 |
| Tier 1 risk-based capital ratio | 14.9052% | 2,873 |
| Total risk-based capital ratio | 16.1590% | 2,804 |
| Memoranda: | ||
| Average total assets | $519,877,400 | 1,357 |
| Average earning assets | $494,893,400 | 1,325 |
| Average equity | $42,171,400 | 1,776 |
| Average total loans | $427,933,600 | 1,185 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8185% | 4,396 |
| Cost of funding earning assets | 0.2822% | 4,619 |
| Net interest margin | 3.5363% | 3,573 |
| Noninterest income to average assets | 0.7234% | 1,780 |
| Noninterest expense to average assets | 3.0201% | 1,954 |
| Loan and lease loss provision to assets | 0.0373% | 3,258 |
| Net operating income to assets | 0.7754% | 3,991 |
| Return on assets (ROA) | 0.7754% | 4,001 |
| Pretax return on assets | 1.0319% | 3,630 |
| Return on Equity (ROE) | 9.5080% | 2,842 |
| Retained earnings to average equity (ytd only) | -2.0178% | 5,200 |
| Net charge-offs to loans | 0.0446% | 2,205 |
| Credit loss provision to net charge-offs | 102.1127% | 2,229 |
| Earnings coverage of net charge-offs (x) | 29.2392% | 1,638 |
| Efficiency ratio | 73.8523% | 1,616 |
| Assets per employee ($millions) | 3.9819% | 3,917 |
| Cash dividends to net income (ytd only)* | 121.2222% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,420 |
| Loan loss allowance to noncurrent loans | 206.5052% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 3,010 |
| Noncurrent loans to loans | 0.5128% | 2,844 |
| Net loans and leases to total assets | 81.2153% | 842 |
| Net loans and leases to deposits | 92.6121% | 1,552 |
| Net loans and leases to core deposits | 97.5131% | 1,977 |
| Total domestic deposits to total assets | 87.6941% | 1,398 |
| Equity capital to assets | 7.7456% | 5,256 |
| Core capital (leverage) ratio | 8.2260% | 5,233 |
| Tier 1 risk-based capital ratio | 15.0757% | 2,847 |
| Total risk-based capital ratio | 16.3303% | 2,771 |
| Memoranda: | ||
| Average total assets | $517,716,250 | 1,365 |
| Average earning assets | $492,783,250 | 1,335 |
| Average equity | $42,223,000 | 1,772 |
| Average total loans | $424,261,750 | 1,198 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7827% | 4,384 |
| Cost of funding earning assets | 0.2487% | 4,751 |
| Net interest margin | 3.5339% | 3,519 |
| Noninterest income to average assets | 0.7338% | 1,719 |
| Noninterest expense to average assets | 3.0442% | 1,924 |
| Loan and lease loss provision to assets | 0.0459% | 2,985 |
| Net operating income to assets | 0.7525% | 4,021 |
| Return on assets (ROA) | 0.7525% | 4,026 |
| Pretax return on assets | 1.0067% | 3,641 |
| Return on Equity (ROE) | 9.0700% | 2,983 |
| Retained earnings to average equity (ytd only) | 5.0816% | 3,029 |
| Net charge-offs to loans | 0.0181% | 2,537 |
| Credit loss provision to net charge-offs | 310.5263% | 979 |
| Earnings coverage of net charge-offs (x) | 71.1579% | 899 |
| Efficiency ratio | 74.3063% | 1,664 |
| Assets per employee ($millions) | 3.9180% | 4,029 |
| Cash dividends to net income (ytd only)* | 43.9731% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 3,321 |
| Loan loss allowance to noncurrent loans | 110.1671% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.8216% | 1,827 |
| Noncurrent loans to loans | 0.9901% | 1,764 |
| Net loans and leases to total assets | 82.0746% | 702 |
| Net loans and leases to deposits | 93.0854% | 1,459 |
| Net loans and leases to core deposits | 95.7230% | 2,082 |
| Total domestic deposits to total assets | 88.1714% | 1,291 |
| Equity capital to assets | 8.2902% | 5,083 |
| Core capital (leverage) ratio | 8.6387% | 5,007 |
| Tier 1 risk-based capital ratio | 15.6524% | 2,566 |
| Total risk-based capital ratio | 16.9073% | 2,513 |
| Memoranda: | ||
| Average total assets | $513,758,330 | 1,375 |
| Average earning assets | $488,916,330 | 1,344 |
| Average equity | $42,624,000 | 1,760 |
| Average total loans | $420,778,670 | 1,209 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 4,378 |
| Cost of funding earning assets | 0.2438% | 4,749 |
| Net interest margin | 3.4976% | 3,546 |
| Noninterest income to average assets | 0.7046% | 1,809 |
| Noninterest expense to average assets | 3.0817% | 1,873 |
| Loan and lease loss provision to assets | 0.0750% | 2,266 |
| Net operating income to assets | 0.6390% | 4,315 |
| Return on assets (ROA) | 0.6476% | 4,294 |
| Pretax return on assets | 0.8874% | 3,885 |
| Return on Equity (ROE) | 7.8026% | 3,465 |
| Retained earnings to average equity (ytd only) | 4.9790% | 3,183 |
| Net charge-offs to loans | -0.0019% | 3,808 |
| Credit loss provision to net charge-offs | -4,800.0000% | 4,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4091% | 1,537 |
| Assets per employee ($millions) | 3.9304% | 4,100 |
| Cash dividends to net income (ytd only)* | 36.1882% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 3,253 |
| Loan loss allowance to noncurrent loans | 194.9793% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 2,946 |
| Noncurrent loans to loans | 0.5753% | 2,818 |
| Net loans and leases to total assets | 80.4496% | 880 |
| Net loans and leases to deposits | 89.8273% | 1,708 |
| Net loans and leases to core deposits | 92.4538% | 2,261 |
| Total domestic deposits to total assets | 89.5603% | 854 |
| Equity capital to assets | 8.2522% | 5,141 |
| Core capital (leverage) ratio | 8.6372% | 5,037 |
| Tier 1 risk-based capital ratio | 15.8027% | 2,552 |
| Total risk-based capital ratio | 17.0579% | 2,501 |
| Memoranda: | ||
| Average total assets | $512,048,500 | 1,393 |
| Average earning assets | $487,302,000 | 1,358 |
| Average equity | $42,498,500 | 1,773 |
| Average total loans | $416,591,500 | 1,222 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7290% | 4,269 |
| Cost of funding earning assets | 0.2400% | 4,648 |
| Net interest margin | 3.4889% | 3,564 |
| Noninterest income to average assets | 0.7481% | 1,782 |
| Noninterest expense to average assets | 2.9839% | 2,207 |
| Loan and lease loss provision to assets | 0.1165% | 1,953 |
| Net operating income to assets | 0.5933% | 4,038 |
| Return on assets (ROA) | 0.5937% | 4,079 |
| Pretax return on assets | 0.9542% | 3,721 |
| Return on Equity (ROE) | 7.1037% | 3,215 |
| Retained earnings to average equity (ytd only) | 4.1390% | 2,685 |
| Net charge-offs to loans | 0.0576% | 2,657 |
| Credit loss provision to net charge-offs | 249.5726% | 1,108 |
| Earnings coverage of net charge-offs (x) | 22.9231% | 1,836 |
| Efficiency ratio | 73.6037% | 1,962 |
| Assets per employee ($millions) | 3.9171% | 4,098 |
| Cash dividends to net income (ytd only)* | 41.7339% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 3,290 |
| Loan loss allowance to noncurrent loans | 133.4010% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6871% | 2,254 |
| Noncurrent loans to loans | 0.8326% | 2,140 |
| Net loans and leases to total assets | 80.4498% | 900 |
| Net loans and leases to deposits | 90.3500% | 1,737 |
| Net loans and leases to core deposits | 93.0980% | 2,277 |
| Total domestic deposits to total assets | 89.0424% | 984 |
| Equity capital to assets | 8.3477% | 5,228 |
| Core capital (leverage) ratio | 8.4594% | 5,176 |
| Tier 1 risk-based capital ratio | 15.6541% | 2,564 |
| Total risk-based capital ratio | 16.9087% | 2,503 |
| Memoranda: | ||
| Average total assets | $501,260,800 | 1,401 |
| Average earning assets | $474,959,400 | 1,367 |
| Average equity | $41,893,800 | 1,780 |
| Average total loans | $406,480,400 | 1,216 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7159% | 4,281 |
| Cost of funding earning assets | 0.2378% | 4,671 |
| Net interest margin | 3.4781% | 3,576 |
| Noninterest income to average assets | 0.7440% | 1,810 |
| Noninterest expense to average assets | 2.9239% | 2,324 |
| Loan and lease loss provision to assets | 0.1180% | 1,833 |
| Net operating income to assets | 0.6593% | 4,161 |
| Return on assets (ROA) | 0.6599% | 4,214 |
| Pretax return on assets | 0.9953% | 3,705 |
| Return on Equity (ROE) | 7.8931% | 3,179 |
| Retained earnings to average equity (ytd only) | 4.8904% | 2,955 |
| Net charge-offs to loans | 0.0445% | 2,551 |
| Credit loss provision to net charge-offs | 327.4074% | 918 |
| Earnings coverage of net charge-offs (x) | 30.8585% | 1,528 |
| Efficiency ratio | 72.4380% | 2,148 |
| Assets per employee ($millions) | 3.9872% | 4,013 |
| Cash dividends to net income (ytd only)* | 38.0413% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 3,377 |
| Loan loss allowance to noncurrent loans | 112.0452% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.7971% | 2,149 |
| Noncurrent loans to loans | 1.0004% | 1,938 |
| Net loans and leases to total assets | 78.7862% | 1,150 |
| Net loans and leases to deposits | 88.7994% | 1,953 |
| Net loans and leases to core deposits | 91.5682% | 2,487 |
| Total domestic deposits to total assets | 88.7238% | 1,002 |
| Equity capital to assets | 8.3407% | 5,375 |
| Core capital (leverage) ratio | 8.5298% | 5,225 |
| Tier 1 risk-based capital ratio | 15.7178% | 2,619 |
| Total risk-based capital ratio | 16.9728% | 2,554 |
| Memoranda: | ||
| Average total assets | $499,271,750 | 1,414 |
| Average earning assets | $472,627,500 | 1,388 |
| Average equity | $41,740,250 | 1,803 |
| Average total loans | $404,534,250 | 1,230 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7104% | 4,194 |
| Cost of funding earning assets | 0.2340% | 4,693 |
| Net interest margin | 3.4764% | 3,485 |
| Noninterest income to average assets | 0.7539% | 1,753 |
| Noninterest expense to average assets | 2.9017% | 2,422 |
| Loan and lease loss provision to assets | 0.1469% | 1,381 |
| Net operating income to assets | 0.6566% | 4,046 |
| Return on assets (ROA) | 0.6566% | 4,106 |
| Pretax return on assets | 0.9904% | 3,603 |
| Return on Equity (ROE) | 7.8477% | 3,125 |
| Retained earnings to average equity (ytd only) | 4.6594% | 2,942 |
| Net charge-offs to loans | 0.0619% | 2,038 |
| Credit loss provision to net charge-offs | 291.2000% | 977 |
| Earnings coverage of net charge-offs (x) | 22.5440% | 1,708 |
| Efficiency ratio | 71.8425% | 2,367 |
| Assets per employee ($millions) | 3.7218% | 4,410 |
| Cash dividends to net income (ytd only)* | 40.6269% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 3,494 |
| Loan loss allowance to noncurrent loans | 112.5031% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 2,193 |
| Noncurrent loans to loans | 0.9915% | 1,984 |
| Net loans and leases to total assets | 79.2223% | 1,060 |
| Net loans and leases to deposits | 88.8526% | 1,884 |
| Net loans and leases to core deposits | 91.6216% | 2,368 |
| Total domestic deposits to total assets | 89.1614% | 877 |
| Equity capital to assets | 8.3565% | 5,381 |
| Core capital (leverage) ratio | 8.5554% | 5,177 |
| Tier 1 risk-based capital ratio | 15.6034% | 2,665 |
| Total risk-based capital ratio | 16.8582% | 2,596 |
| Memoranda: | ||
| Average total assets | $495,573,330 | 1,428 |
| Average earning assets | $468,303,330 | 1,407 |
| Average equity | $41,464,330 | 1,808 |
| Average total loans | $403,826,670 | 1,238 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6562% | 4,254 |
| Cost of funding earning assets | 0.2327% | 4,691 |
| Net interest margin | 3.4235% | 3,555 |
| Noninterest income to average assets | 0.7616% | 1,704 |
| Noninterest expense to average assets | 2.8667% | 2,555 |
| Loan and lease loss provision to assets | 0.1398% | 1,356 |
| Net operating income to assets | 0.6527% | 3,923 |
| Return on assets (ROA) | 0.6527% | 3,959 |
| Pretax return on assets | 0.9843% | 3,435 |
| Return on Equity (ROE) | 7.7955% | 3,024 |
| Retained earnings to average equity (ytd only) | 5.0675% | 2,851 |
| Net charge-offs to loans | 0.0237% | 2,286 |
| Credit loss provision to net charge-offs | 716.6667% | 447 |
| Earnings coverage of net charge-offs (x) | 57.6250% | 827 |
| Efficiency ratio | 71.8330% | 2,606 |
| Assets per employee ($millions) | 3.9818% | 4,044 |
| Cash dividends to net income (ytd only)* | 34.9938% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 3,778 |
| Loan loss allowance to noncurrent loans | 97.4524% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 0.9746% | 1,879 |
| Noncurrent loans to loans | 1.1161% | 1,834 |
| Net loans and leases to total assets | 80.3717% | 788 |
| Net loans and leases to deposits | 89.9796% | 1,530 |
| Net loans and leases to core deposits | 92.6817% | 2,103 |
| Total domestic deposits to total assets | 89.3221% | 992 |
| Equity capital to assets | 8.3352% | 5,337 |
| Core capital (leverage) ratio | 8.6112% | 5,145 |
| Tier 1 risk-based capital ratio | 15.1940% | 2,875 |
| Total risk-based capital ratio | 16.4480% | 2,810 |
| Memoranda: | ||
| Average total assets | $492,141,500 | 1,441 |
| Average earning assets | $464,204,000 | 1,422 |
| Average equity | $41,203,500 | 1,811 |
| Average total loans | $404,474,000 | 1,237 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7985% | 3,920 |
| Cost of funding earning assets | 0.2385% | 4,670 |
| Net interest margin | 3.5600% | 3,221 |
| Noninterest income to average assets | 0.7068% | 2,147 |
| Noninterest expense to average assets | 3.0413% | 2,213 |
| Loan and lease loss provision to assets | 0.1512% | 1,657 |
| Net operating income to assets | 0.5786% | 4,307 |
| Return on assets (ROA) | 0.5793% | 4,408 |
| Pretax return on assets | 0.8782% | 3,919 |
| Return on Equity (ROE) | 6.5807% | 3,697 |
| Retained earnings to average equity (ytd only) | 1.7229% | 4,550 |
| Net charge-offs to loans | 0.0942% | 2,365 |
| Credit loss provision to net charge-offs | 192.6431% | 1,473 |
| Earnings coverage of net charge-offs (x) | 13.0981% | 2,395 |
| Efficiency ratio | 74.7319% | 2,175 |
| Assets per employee ($millions) | 4.0212% | 3,926 |
| Cash dividends to net income (ytd only)* | 73.8183% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 4,006 |
| Loan loss allowance to noncurrent loans | 129.0920% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.7313% | 2,537 |
| Noncurrent loans to loans | 0.8140% | 2,486 |
| Net loans and leases to total assets | 82.2652% | 569 |
| Net loans and leases to deposits | 92.4428% | 1,382 |
| Net loans and leases to core deposits | 95.4105% | 1,974 |
| Total domestic deposits to total assets | 88.9903% | 1,127 |
| Equity capital to assets | 8.4102% | 5,337 |
| Core capital (leverage) ratio | 8.6457% | 5,124 |
| Tier 1 risk-based capital ratio | 14.9112% | 3,008 |
| Total risk-based capital ratio | 16.1645% | 2,944 |
| Memoranda: | ||
| Average total assets | $467,459,400 | 1,460 |
| Average earning assets | $441,567,000 | 1,441 |
| Average equity | $41,150,600 | 1,795 |
| Average total loans | $389,693,600 | 1,221 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7969% | 3,931 |
| Cost of funding earning assets | 0.2377% | 4,727 |
| Net interest margin | 3.5592% | 3,236 |
| Noninterest income to average assets | 0.6968% | 2,182 |
| Noninterest expense to average assets | 3.0160% | 2,274 |
| Loan and lease loss provision to assets | 0.1568% | 1,482 |
| Net operating income to assets | 0.5858% | 4,347 |
| Return on assets (ROA) | 0.5867% | 4,457 |
| Pretax return on assets | 0.8913% | 4,012 |
| Return on Equity (ROE) | 6.5876% | 3,781 |
| Retained earnings to average equity (ytd only) | 1.8410% | 4,766 |
| Net charge-offs to loans | 0.1240% | 1,716 |
| Credit loss provision to net charge-offs | 151.5320% | 1,755 |
| Earnings coverage of net charge-offs (x) | 10.1171% | 2,613 |
| Efficiency ratio | 74.2375% | 2,239 |
| Assets per employee ($millions) | 3.8936% | 4,142 |
| Cash dividends to net income (ytd only)* | 72.0530% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 4,250 |
| Loan loss allowance to noncurrent loans | 123.7836% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7482% | 2,688 |
| Noncurrent loans to loans | 0.8316% | 2,601 |
| Net loans and leases to total assets | 82.9032% | 521 |
| Net loans and leases to deposits | 94.0327% | 1,249 |
| Net loans and leases to core deposits | 96.5966% | 1,931 |
| Total domestic deposits to total assets | 88.1643% | 1,313 |
| Equity capital to assets | 8.7329% | 5,377 |
| Core capital (leverage) ratio | 8.8037% | 5,048 |
| Tier 1 risk-based capital ratio | 15.1762% | 2,962 |
| Total risk-based capital ratio | 16.4293% | 2,901 |
| Memoranda: | ||
| Average total assets | $462,683,750 | 1,478 |
| Average earning assets | $437,535,250 | 1,453 |
| Average equity | $41,208,000 | 1,810 |
| Average total loans | $385,986,500 | 1,231 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 3,935 |
| Cost of funding earning assets | 0.2367% | 4,786 |
| Net interest margin | 3.5697% | 3,211 |
| Noninterest income to average assets | 0.6799% | 2,233 |
| Noninterest expense to average assets | 2.9793% | 2,413 |
| Loan and lease loss provision to assets | 0.1448% | 1,584 |
| Net operating income to assets | 0.6115% | 4,217 |
| Return on assets (ROA) | 0.6123% | 4,338 |
| Pretax return on assets | 0.9316% | 3,829 |
| Return on Equity (ROE) | 6.8294% | 3,634 |
| Retained earnings to average equity (ytd only) | 2.9575% | 4,034 |
| Net charge-offs to loans | 0.1042% | 1,790 |
| Credit loss provision to net charge-offs | 166.8342% | 1,480 |
| Earnings coverage of net charge-offs (x) | 12.3869% | 2,188 |
| Efficiency ratio | 73.4832% | 2,436 |
| Assets per employee ($millions) | 3.7557% | 4,352 |
| Cash dividends to net income (ytd only)* | 56.6952% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 4,302 |
| Loan loss allowance to noncurrent loans | 107.7538% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8664% | 2,428 |
| Noncurrent loans to loans | 0.9628% | 2,353 |
| Net loans and leases to total assets | 82.8309% | 533 |
| Net loans and leases to deposits | 94.0658% | 1,288 |
| Net loans and leases to core deposits | 96.6816% | 1,920 |
| Total domestic deposits to total assets | 88.0564% | 1,406 |
| Equity capital to assets | 8.9299% | 5,291 |
| Core capital (leverage) ratio | 8.9117% | 4,926 |
| Tier 1 risk-based capital ratio | 15.5582% | 2,838 |
| Total risk-based capital ratio | 16.8115% | 2,775 |
| Memoranda: | ||
| Average total assets | $458,571,670 | 1,496 |
| Average earning assets | $433,487,670 | 1,470 |
| Average equity | $41,116,330 | 1,810 |
| Average total loans | $382,014,330 | 1,242 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8151% | 3,894 |
| Cost of funding earning assets | 0.2370% | 4,837 |
| Net interest margin | 3.5780% | 3,174 |
| Noninterest income to average assets | 0.6497% | 2,269 |
| Noninterest expense to average assets | 3.0162% | 2,343 |
| Loan and lease loss provision to assets | 0.1064% | 1,922 |
| Net operating income to assets | 0.5996% | 4,176 |
| Return on assets (ROA) | 0.5996% | 4,291 |
| Pretax return on assets | 0.9108% | 3,796 |
| Return on Equity (ROE) | 6.6730% | 3,627 |
| Retained earnings to average equity (ytd only) | 4.0019% | 3,487 |
| Net charge-offs to loans | 0.1894% | 1,031 |
| Credit loss provision to net charge-offs | 67.5978% | 1,919 |
| Earnings coverage of net charge-offs (x) | 6.4637% | 2,242 |
| Efficiency ratio | 74.7820% | 2,356 |
| Assets per employee ($millions) | 3.7819% | 4,337 |
| Cash dividends to net income (ytd only)* | 40.0293% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 4,547 |
| Loan loss allowance to noncurrent loans | 107.5656% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.7889% | 2,722 |
| Noncurrent loans to loans | 0.9386% | 2,503 |
| Net loans and leases to total assets | 82.5509% | 501 |
| Net loans and leases to deposits | 93.0169% | 1,224 |
| Net loans and leases to core deposits | 96.2532% | 1,769 |
| Total domestic deposits to total assets | 88.7483% | 1,227 |
| Equity capital to assets | 9.0184% | 5,157 |
| Core capital (leverage) ratio | 9.1305% | 4,691 |
| Tier 1 risk-based capital ratio | 15.8564% | 2,758 |
| Total risk-based capital ratio | 17.1091% | 2,687 |
| Memoranda: | ||
| Average total assets | $455,005,500 | 1,505 |
| Average earning assets | $430,294,000 | 1,479 |
| Average equity | $40,881,000 | 1,813 |
| Average total loans | $378,126,000 | 1,249 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 4,157 |
| Cost of funding earning assets | 0.2326% | 4,982 |
| Net interest margin | 3.5297% | 3,413 |
| Noninterest income to average assets | 0.7407% | 2,024 |
| Noninterest expense to average assets | 3.2016% | 1,969 |
| Loan and lease loss provision to assets | 0.1166% | 2,049 |
| Net operating income to assets | 0.5035% | 4,678 |
| Return on assets (ROA) | 0.5035% | 4,771 |
| Pretax return on assets | 0.7591% | 4,340 |
| Return on Equity (ROE) | 5.4761% | 4,295 |
| Retained earnings to average equity (ytd only) | 2.7293% | 4,130 |
| Net charge-offs to loans | 0.1165% | 2,209 |
| Credit loss provision to net charge-offs | 120.7143% | 2,132 |
| Earnings coverage of net charge-offs (x) | 9.0643% | 2,872 |
| Efficiency ratio | 78.5231% | 1,883 |
| Assets per employee ($millions) | 3.7388% | 4,400 |
| Cash dividends to net income (ytd only)* | 50.1599% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 4,353 |
| Loan loss allowance to noncurrent loans | 106.2483% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.8198% | 2,625 |
| Noncurrent loans to loans | 0.9826% | 2,374 |
| Net loans and leases to total assets | 81.9465% | 601 |
| Net loans and leases to deposits | 91.7146% | 1,430 |
| Net loans and leases to core deposits | 94.9083% | 1,956 |
| Total domestic deposits to total assets | 89.3495% | 935 |
| Equity capital to assets | 8.9507% | 5,173 |
| Core capital (leverage) ratio | 9.1504% | 4,684 |
| Tier 1 risk-based capital ratio | 15.2172% | 3,070 |
| Total risk-based capital ratio | 16.4695% | 3,007 |
| Memoranda: | ||
| Average total assets | $434,752,600 | 1,530 |
| Average earning assets | $410,966,000 | 1,499 |
| Average equity | $39,974,000 | 1,803 |
| Average total loans | $360,512,400 | 1,258 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7647% | 4,203 |
| Cost of funding earning assets | 0.2304% | 5,088 |
| Net interest margin | 3.5343% | 3,410 |
| Noninterest income to average assets | 0.7526% | 2,013 |
| Noninterest expense to average assets | 3.1816% | 2,015 |
| Loan and lease loss provision to assets | 0.1184% | 1,924 |
| Net operating income to assets | 0.5276% | 4,692 |
| Return on assets (ROA) | 0.5276% | 4,780 |
| Pretax return on assets | 0.7935% | 4,358 |
| Return on Equity (ROE) | 5.6987% | 4,303 |
| Retained earnings to average equity (ytd only) | 2.9414% | 4,356 |
| Net charge-offs to loans | 0.0956% | 2,196 |
| Credit loss provision to net charge-offs | 149.2188% | 1,689 |
| Earnings coverage of net charge-offs (x) | 11.4962% | 2,480 |
| Efficiency ratio | 77.7248% | 1,985 |
| Assets per employee ($millions) | 3.5403% | 4,722 |
| Cash dividends to net income (ytd only)* | 48.3852% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 4,376 |
| Loan loss allowance to noncurrent loans | 113.8001% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.8035% | 2,879 |
| Noncurrent loans to loans | 0.9422% | 2,614 |
| Net loans and leases to total assets | 83.6911% | 405 |
| Net loans and leases to deposits | 94.5059% | 1,135 |
| Net loans and leases to core deposits | 97.8851% | 1,704 |
| Total domestic deposits to total assets | 88.5565% | 1,269 |
| Equity capital to assets | 9.2989% | 5,008 |
| Core capital (leverage) ratio | 9.2800% | 4,610 |
| Tier 1 risk-based capital ratio | 15.6802% | 2,959 |
| Total risk-based capital ratio | 16.9333% | 2,895 |
| Memoranda: | ||
| Average total assets | $430,340,750 | 1,561 |
| Average earning assets | $406,781,000 | 1,520 |
| Average equity | $39,844,250 | 1,822 |
| Average total loans | $356,981,250 | 1,276 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7262% | 4,334 |
| Cost of funding earning assets | 0.2267% | 5,173 |
| Net interest margin | 3.4996% | 3,501 |
| Noninterest income to average assets | 0.7405% | 2,041 |
| Noninterest expense to average assets | 3.2186% | 1,925 |
| Loan and lease loss provision to assets | 0.1292% | 1,720 |
| Net operating income to assets | 0.4652% | 4,918 |
| Return on assets (ROA) | 0.4652% | 5,016 |
| Pretax return on assets | 0.6990% | 4,653 |
| Return on Equity (ROE) | 5.0318% | 4,602 |
| Retained earnings to average equity (ytd only) | 2.2560% | 4,586 |
| Net charge-offs to loans | 0.1167% | 1,836 |
| Credit loss provision to net charge-offs | 134.4660% | 1,656 |
| Earnings coverage of net charge-offs (x) | 8.6165% | 2,546 |
| Efficiency ratio | 79.5342% | 1,827 |
| Assets per employee ($millions) | 3.4914% | 4,811 |
| Cash dividends to net income (ytd only)* | 55.1655% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 4,446 |
| Loan loss allowance to noncurrent loans | 118.1735% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.7715% | 3,077 |
| Noncurrent loans to loans | 0.9128% | 2,844 |
| Net loans and leases to total assets | 82.5044% | 511 |
| Net loans and leases to deposits | 92.6890% | 1,292 |
| Net loans and leases to core deposits | 95.9173% | 1,810 |
| Total domestic deposits to total assets | 89.0121% | 1,133 |
| Equity capital to assets | 9.2018% | 5,013 |
| Core capital (leverage) ratio | 9.2025% | 4,689 |
| Tier 1 risk-based capital ratio | 15.6231% | 3,046 |
| Total risk-based capital ratio | 16.8762% | 2,989 |
| Memoranda: | ||
| Average total assets | $428,633,670 | 1,573 |
| Average earning assets | $404,966,330 | 1,536 |
| Average equity | $39,628,000 | 1,841 |
| Average total loans | $353,177,330 | 1,290 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7189% | 4,302 |
| Cost of funding earning assets | 0.2236% | 5,281 |
| Net interest margin | 3.4954% | 3,456 |
| Noninterest income to average assets | 0.7372% | 1,979 |
| Noninterest expense to average assets | 3.2639% | 1,811 |
| Loan and lease loss provision to assets | 0.1379% | 1,492 |
| Net operating income to assets | 0.4230% | 4,982 |
| Return on assets (ROA) | 0.4230% | 5,104 |
| Pretax return on assets | 0.6350% | 4,809 |
| Return on Equity (ROE) | 4.5644% | 4,733 |
| Retained earnings to average equity (ytd only) | 1.7812% | 4,756 |
| Net charge-offs to loans | 0.1432% | 1,388 |
| Credit loss provision to net charge-offs | 117.6000% | 1,464 |
| Earnings coverage of net charge-offs (x) | 6.5920% | 2,268 |
| Efficiency ratio | 80.8550% | 1,778 |
| Assets per employee ($millions) | 3.6235% | 4,678 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 4,555 |
| Loan loss allowance to noncurrent loans | 109.9171% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.8237% | 3,036 |
| Noncurrent loans to loans | 0.9939% | 2,776 |
| Net loans and leases to total assets | 80.7510% | 602 |
| Net loans and leases to deposits | 90.6988% | 1,322 |
| Net loans and leases to core deposits | 93.8658% | 1,780 |
| Total domestic deposits to total assets | 89.0321% | 1,247 |
| Equity capital to assets | 9.2173% | 5,063 |
| Core capital (leverage) ratio | 9.3500% | 4,495 |
| Tier 1 risk-based capital ratio | 16.1281% | 2,862 |
| Total risk-based capital ratio | 17.3815% | 2,795 |
| Memoranda: | ||
| Average total assets | $426,481,500 | 1,586 |
| Average earning assets | $402,587,000 | 1,550 |
| Average equity | $39,523,000 | 1,855 |
| Average total loans | $349,222,000 | 1,298 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7487% | 4,648 |
| Cost of funding earning assets | 0.2397% | 5,424 |
| Net interest margin | 3.5090% | 3,755 |
| Noninterest income to average assets | 0.7668% | 2,009 |
| Noninterest expense to average assets | 3.2219% | 2,158 |
| Loan and lease loss provision to assets | 0.1170% | 2,219 |
| Net operating income to assets | 0.5362% | 4,658 |
| Return on assets (ROA) | 0.5388% | 4,731 |
| Pretax return on assets | 0.7388% | 4,482 |
| Return on Equity (ROE) | 5.7013% | 4,306 |
| Retained earnings to average equity (ytd only) | 1.1146% | 5,274 |
| Net charge-offs to loans | 0.1058% | 2,999 |
| Credit loss provision to net charge-offs | 138.9049% | 1,707 |
| Earnings coverage of net charge-offs (x) | 10.1182% | 2,653 |
| Efficiency ratio | 79.0825% | 2,055 |
| Assets per employee ($millions) | 3.4571% | 4,969 |
| Cash dividends to net income (ytd only)* | 80.4505% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 4,523 |
| Loan loss allowance to noncurrent loans | 114.5939% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 3,214 |
| Noncurrent loans to loans | 0.9633% | 2,915 |
| Net loans and leases to total assets | 81.2247% | 606 |
| Net loans and leases to deposits | 91.4313% | 1,350 |
| Net loans and leases to core deposits | 94.4383% | 1,876 |
| Total domestic deposits to total assets | 88.8368% | 1,332 |
| Equity capital to assets | 9.3183% | 4,941 |
| Core capital (leverage) ratio | 9.4209% | 4,360 |
| Tier 1 risk-based capital ratio | 16.1501% | 2,888 |
| Total risk-based capital ratio | 17.4038% | 2,831 |
| Memoranda: | ||
| Average total assets | $411,993,600 | 1,606 |
| Average earning assets | $388,321,200 | 1,567 |
| Average equity | $38,938,600 | 1,818 |
| Average total loans | $327,924,600 | 1,337 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7333% | 4,762 |
| Cost of funding earning assets | 0.2431% | 5,478 |
| Net interest margin | 3.4902% | 3,873 |
| Noninterest income to average assets | 0.7761% | 1,984 |
| Noninterest expense to average assets | 3.1438% | 2,340 |
| Loan and lease loss provision to assets | 0.1117% | 2,181 |
| Net operating income to assets | 0.6026% | 4,437 |
| Return on assets (ROA) | 0.6062% | 4,506 |
| Pretax return on assets | 0.8162% | 4,306 |
| Return on Equity (ROE) | 6.3905% | 4,031 |
| Retained earnings to average equity (ytd only) | 2.9241% | 4,516 |
| Net charge-offs to loans | 0.1340% | 2,449 |
| Credit loss provision to net charge-offs | 105.5385% | 2,110 |
| Earnings coverage of net charge-offs (x) | 8.7231% | 2,758 |
| Efficiency ratio | 77.3055% | 2,301 |
| Assets per employee ($millions) | 3.4518% | 4,949 |
| Cash dividends to net income (ytd only)* | 54.2427% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 4,738 |
| Loan loss allowance to noncurrent loans | 119.9676% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.7528% | 3,556 |
| Noncurrent loans to loans | 0.9193% | 3,268 |
| Net loans and leases to total assets | 80.2573% | 688 |
| Net loans and leases to deposits | 91.1151% | 1,311 |
| Net loans and leases to core deposits | 94.2527% | 1,836 |
| Total domestic deposits to total assets | 88.0834% | 1,717 |
| Equity capital to assets | 9.5470% | 4,736 |
| Core capital (leverage) ratio | 9.7175% | 4,052 |
| Tier 1 risk-based capital ratio | 16.9005% | 2,651 |
| Total risk-based capital ratio | 18.1546% | 2,604 |
| Memoranda: | ||
| Average total assets | $409,551,750 | 1,628 |
| Average earning assets | $386,137,000 | 1,585 |
| Average equity | $38,848,000 | 1,831 |
| Average total loans | $323,306,250 | 1,358 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7081% | 4,836 |
| Cost of funding earning assets | 0.2499% | 5,488 |
| Net interest margin | 3.4582% | 3,949 |
| Noninterest income to average assets | 0.7549% | 2,022 |
| Noninterest expense to average assets | 3.0897% | 2,538 |
| Loan and lease loss provision to assets | 0.1083% | 2,206 |
| Net operating income to assets | 0.5442% | 4,629 |
| Return on assets (ROA) | 0.5490% | 4,707 |
| Pretax return on assets | 0.8265% | 4,175 |
| Return on Equity (ROE) | 5.8008% | 4,273 |
| Retained earnings to average equity (ytd only) | 1.8801% | 4,948 |
| Net charge-offs to loans | 0.1367% | 2,301 |
| Credit loss provision to net charge-offs | 101.3761% | 1,962 |
| Earnings coverage of net charge-offs (x) | 8.6789% | 2,459 |
| Efficiency ratio | 76.9128% | 2,469 |
| Assets per employee ($millions) | 3.5555% | 4,748 |
| Cash dividends to net income (ytd only)* | 67.5893% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 4,805 |
| Loan loss allowance to noncurrent loans | 126.6552% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.7300% | 3,786 |
| Noncurrent loans to loans | 0.8858% | 3,489 |
| Net loans and leases to total assets | 79.5790% | 734 |
| Net loans and leases to deposits | 90.3033% | 1,344 |
| Net loans and leases to core deposits | 93.0838% | 1,854 |
| Total domestic deposits to total assets | 88.1241% | 1,838 |
| Equity capital to assets | 9.5684% | 4,670 |
| Core capital (leverage) ratio | 9.6551% | 4,106 |
| Tier 1 risk-based capital ratio | 17.7000% | 2,352 |
| Total risk-based capital ratio | 18.9550% | 2,317 |
| Memoranda: | ||
| Average total assets | $407,998,000 | 1,629 |
| Average earning assets | $384,885,000 | 1,597 |
| Average equity | $38,615,670 | 1,828 |
| Average total loans | $319,027,330 | 1,367 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6519% | 5,000 |
| Cost of funding earning assets | 0.2588% | 5,510 |
| Net interest margin | 3.3931% | 4,149 |
| Noninterest income to average assets | 0.6733% | 2,332 |
| Noninterest expense to average assets | 3.0533% | 2,685 |
| Loan and lease loss provision to assets | 0.1129% | 2,070 |
| Net operating income to assets | 0.4734% | 4,820 |
| Return on assets (ROA) | 0.4740% | 4,895 |
| Pretax return on assets | 0.7125% | 4,450 |
| Return on Equity (ROE) | 5.0362% | 4,534 |
| Retained earnings to average equity (ytd only) | 2.3982% | 4,638 |
| Net charge-offs to loans | 0.1019% | 2,152 |
| Credit loss provision to net charge-offs | 143.7500% | 1,292 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,854 |
| Efficiency ratio | 78.7396% | 2,369 |
| Assets per employee ($millions) | 3.6744% | 4,574 |
| Cash dividends to net income (ytd only)* | 52.3810% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 4,805 |
| Loan loss allowance to noncurrent loans | 127.4034% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.7390% | 3,904 |
| Noncurrent loans to loans | 0.9142% | 3,600 |
| Net loans and leases to total assets | 77.4837% | 821 |
| Net loans and leases to deposits | 86.8469% | 1,487 |
| Net loans and leases to core deposits | 89.6435% | 1,945 |
| Total domestic deposits to total assets | 89.2187% | 1,518 |
| Equity capital to assets | 9.4838% | 4,521 |
| Core capital (leverage) ratio | 9.7120% | 3,980 |
| Tier 1 risk-based capital ratio | 18.1752% | 2,221 |
| Total risk-based capital ratio | 19.4310% | 2,186 |
| Memoranda: | ||
| Average total assets | $407,558,000 | 1,643 |
| Average earning assets | $384,895,500 | 1,602 |
| Average equity | $38,362,000 | 1,838 |
| Average total loans | $314,004,500 | 1,385 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6647% | 5,232 |
| Cost of funding earning assets | 0.2921% | 5,657 |
| Net interest margin | 3.3727% | 4,394 |
| Noninterest income to average assets | 0.6654% | 2,734 |
| Noninterest expense to average assets | 2.9953% | 3,069 |
| Loan and lease loss provision to assets | 0.1433% | 2,510 |
| Net operating income to assets | 0.4819% | 4,807 |
| Return on assets (ROA) | 0.5068% | 4,832 |
| Pretax return on assets | 0.7646% | 4,282 |
| Return on Equity (ROE) | 5.2690% | 4,509 |
| Retained earnings to average equity (ytd only) | 2.6045% | 4,401 |
| Net charge-offs to loans | 0.1360% | 3,444 |
| Credit loss provision to net charge-offs | 142.3940% | 1,639 |
| Earnings coverage of net charge-offs (x) | 8.6459% | 2,635 |
| Efficiency ratio | 77.4870% | 2,544 |
| Assets per employee ($millions) | 3.8421% | 4,179 |
| Cash dividends to net income (ytd only)* | 50.5696% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 4,673 |
| Loan loss allowance to noncurrent loans | 101.4015% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.9004% | 3,638 |
| Noncurrent loans to loans | 1.1805% | 3,184 |
| Net loans and leases to total assets | 74.7859% | 1,245 |
| Net loans and leases to deposits | 84.0404% | 1,940 |
| Net loans and leases to core deposits | 86.7087% | 2,380 |
| Total domestic deposits to total assets | 88.9881% | 1,638 |
| Equity capital to assets | 9.3414% | 4,631 |
| Core capital (leverage) ratio | 9.6676% | 4,031 |
| Tier 1 risk-based capital ratio | 18.9544% | 1,937 |
| Total risk-based capital ratio | 20.2108% | 1,891 |
| Memoranda: | ||
| Average total assets | $398,387,400 | 1,658 |
| Average earning assets | $378,009,000 | 1,601 |
| Average equity | $38,318,200 | 1,814 |
| Average total loans | $294,933,400 | 1,433 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 5,217 |
| Cost of funding earning assets | 0.2973% | 5,759 |
| Net interest margin | 3.3834% | 4,344 |
| Noninterest income to average assets | 0.6610% | 2,820 |
| Noninterest expense to average assets | 2.9414% | 3,163 |
| Loan and lease loss provision to assets | 0.1535% | 2,348 |
| Net operating income to assets | 0.5169% | 4,733 |
| Return on assets (ROA) | 0.5496% | 4,731 |
| Pretax return on assets | 0.8293% | 4,191 |
| Return on Equity (ROE) | 5.6720% | 4,370 |
| Retained earnings to average equity (ytd only) | 3.0079% | 4,522 |
| Net charge-offs to loans | 0.1408% | 3,131 |
| Credit loss provision to net charge-offs | 148.0519% | 1,592 |
| Earnings coverage of net charge-offs (x) | 9.0032% | 2,540 |
| Efficiency ratio | 75.9142% | 2,746 |
| Assets per employee ($millions) | 3.9369% | 3,969 |
| Cash dividends to net income (ytd only)* | 46.9687% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 4,806 |
| Loan loss allowance to noncurrent loans | 103.8211% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.8782% | 3,918 |
| Noncurrent loans to loans | 1.1702% | 3,483 |
| Net loans and leases to total assets | 73.5498% | 1,355 |
| Net loans and leases to deposits | 82.8395% | 2,022 |
| Net loans and leases to core deposits | 85.2054% | 2,507 |
| Total domestic deposits to total assets | 88.7858% | 1,675 |
| Equity capital to assets | 9.4095% | 4,662 |
| Core capital (leverage) ratio | 9.6979% | 4,110 |
| Tier 1 risk-based capital ratio | 19.4718% | 1,866 |
| Total risk-based capital ratio | 20.7290% | 1,836 |
| Memoranda: | ||
| Average total assets | $396,169,000 | 1,672 |
| Average earning assets | $376,297,500 | 1,615 |
| Average equity | $38,386,750 | 1,821 |
| Average total loans | $291,600,750 | 1,456 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6879% | 5,178 |
| Cost of funding earning assets | 0.3033% | 5,801 |
| Net interest margin | 3.3846% | 4,246 |
| Noninterest income to average assets | 0.6345% | 2,994 |
| Noninterest expense to average assets | 2.9767% | 3,070 |
| Loan and lease loss provision to assets | 0.1791% | 2,119 |
| Net operating income to assets | 0.4656% | 4,950 |
| Return on assets (ROA) | 0.5149% | 4,906 |
| Pretax return on assets | 0.7785% | 4,396 |
| Return on Equity (ROE) | 5.2621% | 4,584 |
| Retained earnings to average equity (ytd only) | 2.5999% | 4,654 |
| Net charge-offs to loans | 0.1527% | 2,878 |
| Credit loss provision to net charge-offs | 160.0000% | 1,453 |
| Earnings coverage of net charge-offs (x) | 7.8864% | 2,485 |
| Efficiency ratio | 77.1259% | 2,607 |
| Assets per employee ($millions) | 3.9142% | 3,992 |
| Cash dividends to net income (ytd only)* | 50.5929% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 4,807 |
| Loan loss allowance to noncurrent loans | 103.9271% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.8872% | 4,024 |
| Noncurrent loans to loans | 1.1889% | 3,573 |
| Net loans and leases to total assets | 73.1141% | 1,384 |
| Net loans and leases to deposits | 81.9204% | 2,071 |
| Net loans and leases to core deposits | 84.2809% | 2,518 |
| Total domestic deposits to total assets | 89.2503% | 1,480 |
| Equity capital to assets | 9.4591% | 4,635 |
| Core capital (leverage) ratio | 9.7749% | 3,829 |
| Tier 1 risk-based capital ratio | 19.8226% | 1,761 |
| Total risk-based capital ratio | 21.0802% | 1,734 |
| Memoranda: | ||
| Average total assets | $393,057,000 | 1,686 |
| Average earning assets | $374,520,670 | 1,622 |
| Average equity | $38,463,670 | 1,823 |
| Average total loans | $288,162,330 | 1,465 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6888% | 5,206 |
| Cost of funding earning assets | 0.3133% | 5,860 |
| Net interest margin | 3.3755% | 4,211 |
| Noninterest income to average assets | 0.6031% | 3,119 |
| Noninterest expense to average assets | 3.1172% | 2,621 |
| Loan and lease loss provision to assets | 0.1805% | 2,052 |
| Net operating income to assets | 0.3518% | 5,338 |
| Return on assets (ROA) | 0.3518% | 5,480 |
| Pretax return on assets | 0.5324% | 5,169 |
| Return on Equity (ROE) | 3.5349% | 5,322 |
| Retained earnings to average equity (ytd only) | 0.8966% | 5,487 |
| Net charge-offs to loans | 0.2433% | 1,996 |
| Credit loss provision to net charge-offs | 101.7341% | 1,801 |
| Earnings coverage of net charge-offs (x) | 4.0173% | 2,631 |
| Efficiency ratio | 81.3873% | 2,134 |
| Assets per employee ($millions) | 3.7921% | 4,370 |
| Cash dividends to net income (ytd only)* | 74.6356% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 5,051 |
| Loan loss allowance to noncurrent loans | 125.2845% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.7201% | 4,569 |
| Noncurrent loans to loans | 0.9811% | 4,170 |
| Net loans and leases to total assets | 71.7786% | 1,390 |
| Net loans and leases to deposits | 81.0305% | 1,951 |
| Net loans and leases to core deposits | 83.4112% | 2,404 |
| Total domestic deposits to total assets | 88.5821% | 1,946 |
| Equity capital to assets | 9.8423% | 4,366 |
| Core capital (leverage) ratio | 9.8866% | 3,548 |
| Tier 1 risk-based capital ratio | 19.8120% | 1,822 |
| Total risk-based capital ratio | 21.0690% | 1,788 |
| Memoranda: | ||
| Average total assets | $389,962,000 | 1,714 |
| Average earning assets | $372,804,000 | 1,646 |
| Average equity | $38,813,000 | 1,831 |
| Average total loans | $284,464,500 | 1,487 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0022% | 5,295 |
| Cost of funding earning assets | 0.3805% | 6,050 |
| Net interest margin | 3.6217% | 3,995 |
| Noninterest income to average assets | 0.6302% | 3,108 |
| Noninterest expense to average assets | 3.1669% | 2,720 |
| Loan and lease loss provision to assets | 0.2507% | 2,648 |
| Net operating income to assets | 0.4423% | 4,919 |
| Return on assets (ROA) | 0.5193% | 4,872 |
| Pretax return on assets | 0.7980% | 4,303 |
| Return on Equity (ROE) | 5.1106% | 4,628 |
| Retained earnings to average equity (ytd only) | 1.9644% | 4,841 |
| Net charge-offs to loans | 0.2832% | 3,245 |
| Credit loss provision to net charge-offs | 120.3540% | 2,380 |
| Earnings coverage of net charge-offs (x) | 4.4652% | 3,357 |
| Efficiency ratio | 77.2964% | 2,550 |
| Assets per employee ($millions) | 3.5371% | 4,936 |
| Cash dividends to net income (ytd only)* | 61.5619% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 4,892 |
| Loan loss allowance to noncurrent loans | 106.7637% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.8769% | 4,295 |
| Noncurrent loans to loans | 1.1678% | 3,901 |
| Net loans and leases to total assets | 72.3149% | 1,441 |
| Net loans and leases to deposits | 80.9717% | 2,149 |
| Net loans and leases to core deposits | 83.4853% | 2,606 |
| Total domestic deposits to total assets | 89.3088% | 1,366 |
| Equity capital to assets | 10.0663% | 4,082 |
| Core capital (leverage) ratio | 10.0197% | 3,369 |
| Tier 1 risk-based capital ratio | 20.1756% | 1,633 |
| Total risk-based capital ratio | 21.4332% | 1,608 |
| Memoranda: | ||
| Average total assets | $379,707,600 | 1,713 |
| Average earning assets | $363,471,800 | 1,646 |
| Average equity | $38,586,200 | 1,801 |
| Average total loans | $279,314,200 | 1,488 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0403% | 5,398 |
| Cost of funding earning assets | 0.3881% | 6,187 |
| Net interest margin | 3.6522% | 4,001 |
| Noninterest income to average assets | 0.6320% | 3,097 |
| Noninterest expense to average assets | 3.1238% | 2,814 |
| Loan and lease loss provision to assets | 0.2742% | 2,383 |
| Net operating income to assets | 0.4738% | 4,937 |
| Return on assets (ROA) | 0.5524% | 4,869 |
| Pretax return on assets | 0.8513% | 4,301 |
| Return on Equity (ROE) | 5.4224% | 4,633 |
| Retained earnings to average equity (ytd only) | 2.1108% | 5,268 |
| Net charge-offs to loans | 0.3494% | 2,703 |
| Credit loss provision to net charge-offs | 106.5753% | 2,755 |
| Earnings coverage of net charge-offs (x) | 3.9041% | 3,462 |
| Efficiency ratio | 75.6660% | 2,724 |
| Assets per employee ($millions) | 3.5801% | 4,789 |
| Cash dividends to net income (ytd only)* | 61.0722% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 5,171 |
| Loan loss allowance to noncurrent loans | 130.4364% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.6957% | 4,943 |
| Noncurrent loans to loans | 0.9386% | 4,557 |
| Net loans and leases to total assets | 72.4341% | 1,480 |
| Net loans and leases to deposits | 81.1180% | 2,233 |
| Net loans and leases to core deposits | 84.1388% | 2,673 |
| Total domestic deposits to total assets | 89.2947% | 1,244 |
| Equity capital to assets | 10.2276% | 4,169 |
| Core capital (leverage) ratio | 10.1080% | 3,398 |
| Tier 1 risk-based capital ratio | 21.2414% | 1,469 |
| Total risk-based capital ratio | 22.4993% | 1,438 |
| Memoranda: | ||
| Average total assets | $378,248,750 | 1,742 |
| Average earning assets | $362,110,500 | 1,670 |
| Average equity | $38,530,250 | 1,823 |
| Average total loans | $278,561,500 | 1,509 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 5,454 |
| Cost of funding earning assets | 0.3941% | 6,301 |
| Net interest margin | 3.6663% | 3,969 |
| Noninterest income to average assets | 0.6331% | 3,054 |
| Noninterest expense to average assets | 3.1077% | 2,903 |
| Loan and lease loss provision to assets | 0.2869% | 2,285 |
| Net operating income to assets | 0.4843% | 4,891 |
| Return on assets (ROA) | 0.4843% | 5,138 |
| Pretax return on assets | 0.7495% | 4,655 |
| Return on Equity (ROE) | 4.7612% | 4,930 |
| Retained earnings to average equity (ytd only) | 1.1187% | 5,625 |
| Net charge-offs to loans | 0.4163% | 2,372 |
| Credit loss provision to net charge-offs | 93.4483% | 2,941 |
| Earnings coverage of net charge-offs (x) | 3.3759% | 3,397 |
| Efficiency ratio | 74.9904% | 2,895 |
| Assets per employee ($millions) | 3.5201% | 4,940 |
| Cash dividends to net income (ytd only)* | 76.5027% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 5,392 |
| Loan loss allowance to noncurrent loans | 108.6715% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 4,661 |
| Noncurrent loans to loans | 1.0972% | 4,330 |
| Net loans and leases to total assets | 72.3926% | 1,494 |
| Net loans and leases to deposits | 80.9060% | 2,245 |
| Net loans and leases to core deposits | 83.8358% | 2,710 |
| Total domestic deposits to total assets | 89.4774% | 1,233 |
| Equity capital to assets | 10.1372% | 4,140 |
| Core capital (leverage) ratio | 10.0849% | 3,293 |
| Tier 1 risk-based capital ratio | 21.0320% | 1,477 |
| Total risk-based capital ratio | 22.2895% | 1,450 |
| Memoranda: | ||
| Average total assets | $377,833,670 | 1,743 |
| Average earning assets | $361,831,670 | 1,671 |
| Average equity | $38,436,000 | 1,815 |
| Average total loans | $278,652,000 | 1,508 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1248% | 5,367 |
| Cost of funding earning assets | 0.4057% | 6,379 |
| Net interest margin | 3.7191% | 3,741 |
| Noninterest income to average assets | 0.5947% | 3,268 |
| Noninterest expense to average assets | 3.0606% | 3,051 |
| Loan and lease loss provision to assets | 0.3281% | 1,907 |
| Net operating income to assets | 0.4959% | 4,847 |
| Return on assets (ROA) | 0.4959% | 5,051 |
| Pretax return on assets | 0.7689% | 4,533 |
| Return on Equity (ROE) | 4.8665% | 4,851 |
| Retained earnings to average equity (ytd only) | 4.8665% | 3,636 |
| Net charge-offs to loans | 0.3932% | 2,123 |
| Credit loss provision to net charge-offs | 112.7737% | 2,092 |
| Earnings coverage of net charge-offs (x) | 3.7701% | 2,755 |
| Efficiency ratio | 73.6143% | 3,153 |
| Assets per employee ($millions) | 3.5439% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 5,406 |
| Loan loss allowance to noncurrent loans | 84.4909% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.0593% | 4,372 |
| Noncurrent loans to loans | 1.4419% | 3,950 |
| Net loans and leases to total assets | 72.5738% | 1,304 |
| Net loans and leases to deposits | 81.1156% | 2,044 |
| Net loans and leases to core deposits | 83.8301% | 2,565 |
| Total domestic deposits to total assets | 89.4697% | 1,391 |
| Equity capital to assets | 10.1669% | 3,891 |
| Core capital (leverage) ratio | 10.1614% | 3,160 |
| Tier 1 risk-based capital ratio | 21.4303% | 1,393 |
| Total risk-based capital ratio | 22.6883% | 1,364 |
| Memoranda: | ||
| Average total assets | $376,664,000 | 1,759 |
| Average earning assets | $360,838,500 | 1,681 |
| Average equity | $38,384,500 | 1,808 |
| Average total loans | $278,709,000 | 1,515 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 5,338 |
| Cost of funding earning assets | 0.5812% | 6,181 |
| Net interest margin | 3.8405% | 3,626 |
| Noninterest income to average assets | 0.6305% | 3,006 |
| Noninterest expense to average assets | 3.0865% | 3,247 |
| Loan and lease loss provision to assets | 0.3144% | 3,158 |
| Net operating income to assets | 0.5896% | 4,057 |
| Return on assets (ROA) | 0.5896% | 4,236 |
| Pretax return on assets | 0.8942% | 3,622 |
| Return on Equity (ROE) | 5.8993% | 3,921 |
| Retained earnings to average equity (ytd only) | 5.8993% | 2,074 |
| Net charge-offs to loans | 0.2955% | 3,929 |
| Credit loss provision to net charge-offs | 140.4878% | 2,098 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 2,803 |
| Efficiency ratio | 71.8607% | 3,601 |
| Assets per employee ($millions) | 3.6323% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 5,367 |
| Loan loss allowance to noncurrent loans | 96.8012% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.9620% | 4,686 |
| Noncurrent loans to loans | 1.2445% | 4,287 |
| Net loans and leases to total assets | 73.6285% | 1,338 |
| Net loans and leases to deposits | 82.5262% | 2,129 |
| Net loans and leases to core deposits | 85.2105% | 2,727 |
| Total domestic deposits to total assets | 89.2184% | 1,411 |
| Equity capital to assets | 10.2147% | 3,889 |
| Core capital (leverage) ratio | 10.1950% | 3,086 |
| Tier 1 risk-based capital ratio | 21.3550% | 1,343 |
| Total risk-based capital ratio | 22.6135% | 1,317 |
| Memoranda: | ||
| Average total assets | $366,366,600 | 1,772 |
| Average earning assets | $349,594,200 | 1,691 |
| Average equity | $36,614,600 | 1,841 |
| Average total loans | $277,479,600 | 1,532 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4602% | 5,387 |
| Cost of funding earning assets | 0.6298% | 6,132 |
| Net interest margin | 3.8304% | 3,717 |
| Noninterest income to average assets | 0.6062% | 3,131 |
| Noninterest expense to average assets | 3.0751% | 3,258 |
| Loan and lease loss provision to assets | 0.3081% | 3,061 |
| Net operating income to assets | 0.5784% | 4,185 |
| Return on assets (ROA) | 0.5784% | 4,366 |
| Pretax return on assets | 0.8766% | 3,857 |
| Return on Equity (ROE) | 5.8208% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.8208% | 2,663 |
| Net charge-offs to loans | 0.3777% | 3,216 |
| Credit loss provision to net charge-offs | 107.2611% | 3,082 |
| Earnings coverage of net charge-offs (x) | 4.1248% | 3,172 |
| Efficiency ratio | 72.1893% | 3,516 |
| Assets per employee ($millions) | 3.7324% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 5,862 |
| Loan loss allowance to noncurrent loans | 97.0116% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.9809% | 4,787 |
| Noncurrent loans to loans | 1.1416% | 4,634 |
| Net loans and leases to total assets | 75.2890% | 1,096 |
| Net loans and leases to deposits | 84.3518% | 1,943 |
| Net loans and leases to core deposits | 86.8051% | 2,672 |
| Total domestic deposits to total assets | 89.2560% | 1,280 |
| Equity capital to assets | 10.2809% | 3,981 |
| Core capital (leverage) ratio | 10.1135% | 3,293 |
| Tier 1 risk-based capital ratio | 20.4851% | 1,570 |
| Total risk-based capital ratio | 21.7406% | 1,538 |
| Memoranda: | ||
| Average total assets | $364,426,250 | 1,787 |
| Average earning assets | $347,600,250 | 1,713 |
| Average equity | $36,214,250 | 1,865 |
| Average total loans | $277,143,500 | 1,548 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4489% | 5,529 |
| Cost of funding earning assets | 0.6754% | 6,100 |
| Net interest margin | 3.7735% | 3,921 |
| Noninterest income to average assets | 0.6110% | 3,066 |
| Noninterest expense to average assets | 3.0381% | 3,492 |
| Loan and lease loss provision to assets | 0.3764% | 2,536 |
| Net operating income to assets | 0.5281% | 4,384 |
| Return on assets (ROA) | 0.5281% | 4,528 |
| Pretax return on assets | 0.7946% | 4,054 |
| Return on Equity (ROE) | 5.3761% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.3761% | 2,759 |
| Net charge-offs to loans | 0.4734% | 2,678 |
| Credit loss provision to net charge-offs | 104.5802% | 2,951 |
| Earnings coverage of net charge-offs (x) | 3.2534% | 3,242 |
| Efficiency ratio | 72.1802% | 3,698 |
| Assets per employee ($millions) | 3.7008% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 5,947 |
| Loan loss allowance to noncurrent loans | 88.4549% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 1.0606% | 4,768 |
| Noncurrent loans to loans | 1.2464% | 4,577 |
| Net loans and leases to total assets | 74.8453% | 1,258 |
| Net loans and leases to deposits | 83.4797% | 2,185 |
| Net loans and leases to core deposits | 86.2853% | 2,866 |
| Total domestic deposits to total assets | 89.6569% | 1,145 |
| Equity capital to assets | 9.9072% | 4,267 |
| Core capital (leverage) ratio | 9.8444% | 3,462 |
| Tier 1 risk-based capital ratio | 19.9782% | 1,613 |
| Total risk-based capital ratio | 21.2336% | 1,589 |
| Memoranda: | ||
| Average total assets | $363,976,000 | 1,797 |
| Average earning assets | $347,055,330 | 1,727 |
| Average equity | $35,750,670 | 1,877 |
| Average total loans | $276,700,000 | 1,567 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4473% | 5,520 |
| Cost of funding earning assets | 0.7179% | 6,035 |
| Net interest margin | 3.7294% | 3,950 |
| Noninterest income to average assets | 0.5800% | 3,313 |
| Noninterest expense to average assets | 3.0939% | 3,269 |
| Loan and lease loss provision to assets | 0.2536% | 3,122 |
| Net operating income to assets | 0.5248% | 4,382 |
| Return on assets (ROA) | 0.5248% | 4,466 |
| Pretax return on assets | 0.7895% | 3,939 |
| Return on Equity (ROE) | 5.3669% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.3669% | 2,965 |
| Net charge-offs to loans | 0.5137% | 2,196 |
| Credit loss provision to net charge-offs | 64.7887% | 3,455 |
| Earnings coverage of net charge-offs (x) | 2.6648% | 3,011 |
| Efficiency ratio | 74.7868% | 3,370 |
| Assets per employee ($millions) | 3.5783% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 6,212 |
| Loan loss allowance to noncurrent loans | 97.7763% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.9422% | 5,004 |
| Noncurrent loans to loans | 1.0780% | 4,892 |
| Net loans and leases to total assets | 74.6381% | 1,243 |
| Net loans and leases to deposits | 83.0955% | 2,172 |
| Net loans and leases to core deposits | 85.8879% | 2,891 |
| Total domestic deposits to total assets | 89.8222% | 1,265 |
| Equity capital to assets | 9.7611% | 4,088 |
| Core capital (leverage) ratio | 9.8167% | 3,367 |
| Tier 1 risk-based capital ratio | 19.9830% | 1,592 |
| Total risk-based capital ratio | 21.2378% | 1,556 |
| Memoranda: | ||
| Average total assets | $362,773,500 | 1,814 |
| Average earning assets | $346,006,000 | 1,738 |
| Average equity | $35,477,000 | 1,875 |
| Average total loans | $276,412,000 | 1,581 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 5,451 |
| Cost of funding earning assets | 0.9208% | 6,077 |
| Net interest margin | 3.8684% | 3,647 |
| Noninterest income to average assets | 0.5981% | 3,491 |
| Noninterest expense to average assets | 3.1169% | 3,394 |
| Loan and lease loss provision to assets | 0.2372% | 4,911 |
| Net operating income to assets | 0.6177% | 3,591 |
| Return on assets (ROA) | 0.6177% | 3,762 |
| Pretax return on assets | 0.9333% | 3,154 |
| Return on Equity (ROE) | 6.4151% | 3,389 |
| Retained earnings to average equity (ytd only) | 6.4151% | 1,610 |
| Net charge-offs to loans | 0.1844% | 5,199 |
| Credit loss provision to net charge-offs | 164.0232% | 2,107 |
| Earnings coverage of net charge-offs (x) | 8.0928% | 2,016 |
| Efficiency ratio | 72.6982% | 3,656 |
| Assets per employee ($millions) | 3.6056% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 5,979 |
| Loan loss allowance to noncurrent loans | 80.5267% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.0944% | 4,823 |
| Noncurrent loans to loans | 1.3546% | 4,449 |
| Net loans and leases to total assets | 76.1248% | 1,251 |
| Net loans and leases to deposits | 84.8270% | 2,317 |
| Net loans and leases to core deposits | 87.2551% | 3,145 |
| Total domestic deposits to total assets | 89.7412% | 1,242 |
| Equity capital to assets | 9.7979% | 4,002 |
| Core capital (leverage) ratio | 9.6838% | 3,448 |
| Tier 1 risk-based capital ratio | 19.5186% | 1,590 |
| Total risk-based capital ratio | 20.7531% | 1,566 |
| Memoranda: | ||
| Average total assets | $357,437,400 | 1,827 |
| Average earning assets | $340,887,800 | 1,752 |
| Average equity | $34,418,800 | 1,921 |
| Average total loans | $280,353,400 | 1,595 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8343% | 5,530 |
| Cost of funding earning assets | 0.9651% | 6,107 |
| Net interest margin | 3.8692% | 3,661 |
| Noninterest income to average assets | 0.5929% | 3,485 |
| Noninterest expense to average assets | 3.0703% | 3,479 |
| Loan and lease loss provision to assets | 0.2299% | 4,774 |
| Net operating income to assets | 0.6490% | 3,649 |
| Return on assets (ROA) | 0.6490% | 3,816 |
| Pretax return on assets | 0.9809% | 3,252 |
| Return on Equity (ROE) | 6.7695% | 3,444 |
| Retained earnings to average equity (ytd only) | 6.7695% | 1,956 |
| Net charge-offs to loans | 0.2234% | 4,601 |
| Credit loss provision to net charge-offs | 130.5732% | 3,093 |
| Earnings coverage of net charge-offs (x) | 6.8769% | 2,433 |
| Efficiency ratio | 71.7167% | 3,761 |
| Assets per employee ($millions) | 3.3692% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 6,317 |
| Loan loss allowance to noncurrent loans | 99.8594% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.8899% | 5,321 |
| Noncurrent loans to loans | 1.0179% | 5,199 |
| Net loans and leases to total assets | 77.4368% | 1,140 |
| Net loans and leases to deposits | 87.2411% | 2,118 |
| Net loans and leases to core deposits | 90.3224% | 3,053 |
| Total domestic deposits to total assets | 88.7618% | 1,529 |
| Equity capital to assets | 9.9040% | 4,283 |
| Core capital (leverage) ratio | 9.6256% | 3,722 |
| Tier 1 risk-based capital ratio | 18.9914% | 1,753 |
| Total risk-based capital ratio | 20.2433% | 1,710 |
| Memoranda: | ||
| Average total assets | $356,657,250 | 1,856 |
| Average earning assets | $339,975,500 | 1,787 |
| Average equity | $34,191,750 | 1,959 |
| Average total loans | $281,066,500 | 1,612 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8382% | 5,653 |
| Cost of funding earning assets | 1.0048% | 6,112 |
| Net interest margin | 3.8333% | 3,744 |
| Noninterest income to average assets | 0.5952% | 3,373 |
| Noninterest expense to average assets | 3.0160% | 3,650 |
| Loan and lease loss provision to assets | 0.1745% | 5,120 |
| Net operating income to assets | 0.7013% | 3,401 |
| Return on assets (ROA) | 0.7013% | 3,558 |
| Pretax return on assets | 1.0603% | 2,900 |
| Return on Equity (ROE) | 7.3967% | 3,150 |
| Retained earnings to average equity (ytd only) | 7.3967% | 1,676 |
| Net charge-offs to loans | 0.2180% | 4,296 |
| Credit loss provision to net charge-offs | 101.3029% | 4,025 |
| Earnings coverage of net charge-offs (x) | 7.1694% | 2,352 |
| Efficiency ratio | 70.9516% | 3,992 |
| Assets per employee ($millions) | 3.4257% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 6,571 |
| Loan loss allowance to noncurrent loans | 84.8790% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.8760% | 5,372 |
| Noncurrent loans to loans | 1.1278% | 5,074 |
| Net loans and leases to total assets | 76.9281% | 1,307 |
| Net loans and leases to deposits | 86.3716% | 2,457 |
| Net loans and leases to core deposits | 89.3858% | 3,355 |
| Total domestic deposits to total assets | 89.0665% | 1,396 |
| Equity capital to assets | 9.5734% | 4,592 |
| Core capital (leverage) ratio | 9.4685% | 3,866 |
| Tier 1 risk-based capital ratio | 18.4877% | 1,836 |
| Total risk-based capital ratio | 19.7382% | 1,802 |
| Memoranda: | ||
| Average total assets | $356,499,670 | 1,879 |
| Average earning assets | $339,964,000 | 1,801 |
| Average equity | $33,799,000 | 1,976 |
| Average total loans | $281,625,330 | 1,623 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8771% | 5,573 |
| Cost of funding earning assets | 1.0579% | 6,098 |
| Net interest margin | 3.8192% | 3,711 |
| Noninterest income to average assets | 0.5980% | 3,286 |
| Noninterest expense to average assets | 3.0533% | 3,464 |
| Loan and lease loss provision to assets | 0.1721% | 4,803 |
| Net operating income to assets | 0.6693% | 3,577 |
| Return on assets (ROA) | 0.6693% | 3,690 |
| Pretax return on assets | 1.0114% | 3,050 |
| Return on Equity (ROE) | 7.0955% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.0955% | 2,093 |
| Net charge-offs to loans | 0.2672% | 3,340 |
| Credit loss provision to net charge-offs | 80.8511% | 3,857 |
| Earnings coverage of net charge-offs (x) | 5.5585% | 2,374 |
| Efficiency ratio | 72.0663% | 3,917 |
| Assets per employee ($millions) | 3.1735% | 5,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 6,682 |
| Loan loss allowance to noncurrent loans | 98.7013% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 5,584 |
| Noncurrent loans to loans | 0.9591% | 5,420 |
| Net loans and leases to total assets | 78.3113% | 1,091 |
| Net loans and leases to deposits | 87.9047% | 2,241 |
| Net loans and leases to core deposits | 90.9425% | 3,237 |
| Total domestic deposits to total assets | 89.0866% | 1,478 |
| Equity capital to assets | 9.4783% | 4,567 |
| Core capital (leverage) ratio | 9.5127% | 3,748 |
| Tier 1 risk-based capital ratio | 18.2530% | 1,886 |
| Total risk-based capital ratio | 19.4363% | 1,876 |
| Memoranda: | ||
| Average total assets | $353,188,500 | 1,941 |
| Average earning assets | $336,510,000 | 1,860 |
| Average equity | $33,317,000 | 2,012 |
| Average total loans | $281,416,500 | 1,673 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1178% | 6,009 |
| Cost of funding earning assets | 1.3934% | 5,955 |
| Net interest margin | 3.7244% | 4,026 |
| Noninterest income to average assets | 0.5648% | 3,907 |
| Noninterest expense to average assets | 3.1917% | 3,403 |
| Loan and lease loss provision to assets | 0.2207% | 5,596 |
| Net operating income to assets | 0.4789% | 3,816 |
| Return on assets (ROA) | 0.4789% | 3,917 |
| Pretax return on assets | 0.7198% | 3,508 |
| Return on Equity (ROE) | 5.0513% | 3,647 |
| Retained earnings to average equity (ytd only) | 5.0513% | 1,794 |
| Net charge-offs to loans | 0.1506% | 5,747 |
| Credit loss provision to net charge-offs | 179.2857% | 2,327 |
| Earnings coverage of net charge-offs (x) | 7.6405% | 2,110 |
| Efficiency ratio | 77.2395% | 3,322 |
| Assets per employee ($millions) | 3.1616% | 5,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 6,601 |
| Loan loss allowance to noncurrent loans | 116.9124% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 5,741 |
| Noncurrent loans to loans | 0.8182% | 5,650 |
| Net loans and leases to total assets | 79.5377% | 1,081 |
| Net loans and leases to deposits | 89.4654% | 2,309 |
| Net loans and leases to core deposits | 99.7762% | 4,027 |
| Total domestic deposits to total assets | 88.9033% | 1,522 |
| Equity capital to assets | 9.3876% | 4,580 |
| Core capital (leverage) ratio | 9.4984% | 3,726 |
| Tier 1 risk-based capital ratio | 17.8598% | 1,926 |
| Total risk-based capital ratio | 19.1114% | 1,884 |
| Memoranda: | ||
| Average total assets | $341,196,000 | 1,993 |
| Average earning assets | $326,818,000 | 1,906 |
| Average equity | $32,348,000 | 2,070 |
| Average total loans | $278,946,800 | 1,727 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1534% | 6,097 |
| Cost of funding earning assets | 1.4732% | 5,943 |
| Net interest margin | 3.6802% | 4,165 |
| Noninterest income to average assets | 0.5447% | 4,122 |
| Noninterest expense to average assets | 3.1400% | 3,500 |
| Loan and lease loss provision to assets | 0.2354% | 5,089 |
| Net operating income to assets | 0.4664% | 4,135 |
| Return on assets (ROA) | 0.4664% | 4,231 |
| Pretax return on assets | 0.7002% | 3,858 |
| Return on Equity (ROE) | 4.9069% | 4,005 |
| Retained earnings to average equity (ytd only) | 4.9069% | 2,551 |
| Net charge-offs to loans | 0.1337% | 5,361 |
| Credit loss provision to net charge-offs | 214.3369% | 2,047 |
| Earnings coverage of net charge-offs (x) | 8.5197% | 2,231 |
| Efficiency ratio | 77.0449% | 3,311 |
| Assets per employee ($millions) | 3.1754% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 6,535 |
| Loan loss allowance to noncurrent loans | 103.8730% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.7549% | 5,620 |
| Noncurrent loans to loans | 0.9160% | 5,460 |
| Net loans and leases to total assets | 81.4132% | 913 |
| Net loans and leases to deposits | 91.8147% | 2,261 |
| Net loans and leases to core deposits | 102.6074% | 4,094 |
| Total domestic deposits to total assets | 88.6711% | 1,352 |
| Equity capital to assets | 9.5455% | 4,684 |
| Core capital (leverage) ratio | 9.4872% | 3,924 |
| Tier 1 risk-based capital ratio | 17.9132% | 2,013 |
| Total risk-based capital ratio | 19.1512% | 1,967 |
| Memoranda: | ||
| Average total assets | $338,759,250 | 2,025 |
| Average earning assets | $325,009,000 | 1,930 |
| Average equity | $32,198,750 | 2,093 |
| Average total loans | $278,226,500 | 1,755 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1919% | 6,107 |
| Cost of funding earning assets | 1.5447% | 5,948 |
| Net interest margin | 3.6472% | 4,181 |
| Noninterest income to average assets | 0.5300% | 4,187 |
| Noninterest expense to average assets | 3.1136% | 3,648 |
| Loan and lease loss provision to assets | 0.1126% | 6,019 |
| Net operating income to assets | 0.5377% | 3,951 |
| Return on assets (ROA) | 0.5377% | 4,054 |
| Pretax return on assets | 0.8086% | 3,643 |
| Return on Equity (ROE) | 5.6653% | 3,797 |
| Retained earnings to average equity (ytd only) | 5.6653% | 2,173 |
| Net charge-offs to loans | 0.1025% | 5,135 |
| Credit loss provision to net charge-offs | 133.8028% | 3,485 |
| Earnings coverage of net charge-offs (x) | 10.9437% | 1,951 |
| Efficiency ratio | 77.1672% | 3,484 |
| Assets per employee ($millions) | 3.1407% | 5,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8634% | 6,925 |
| Loan loss allowance to noncurrent loans | 100.4165% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 5,639 |
| Noncurrent loans to loans | 0.8598% | 5,498 |
| Net loans and leases to total assets | 80.8678% | 1,163 |
| Net loans and leases to deposits | 91.1320% | 2,624 |
| Net loans and leases to core deposits | 102.1788% | 4,269 |
| Total domestic deposits to total assets | 88.7370% | 1,412 |
| Equity capital to assets | 9.4540% | 4,670 |
| Core capital (leverage) ratio | 9.4800% | 3,922 |
| Tier 1 risk-based capital ratio | 17.8589% | 2,057 |
| Total risk-based capital ratio | 19.1098% | 1,996 |
| Memoranda: | ||
| Average total assets | $337,363,330 | 2,056 |
| Average earning assets | $324,195,670 | 1,957 |
| Average equity | $32,019,670 | 2,109 |
| Average total loans | $277,006,670 | 1,787 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2958% | 5,907 |
| Cost of funding earning assets | 1.6272% | 5,916 |
| Net interest margin | 3.6686% | 4,028 |
| Noninterest income to average assets | 0.5136% | 4,199 |
| Noninterest expense to average assets | 2.9360% | 4,031 |
| Loan and lease loss provision to assets | 0.1003% | 5,682 |
| Net operating income to assets | 0.6713% | 3,701 |
| Return on assets (ROA) | 0.6713% | 3,883 |
| Pretax return on assets | 1.0105% | 3,313 |
| Return on Equity (ROE) | 7.0586% | 3,571 |
| Retained earnings to average equity (ytd only) | 7.0586% | 2,188 |
| Net charge-offs to loans | 0.0493% | 4,790 |
| Credit loss provision to net charge-offs | 247.0588% | 1,898 |
| Earnings coverage of net charge-offs (x) | 27.3529% | 1,137 |
| Efficiency ratio | 72.5502% | 4,095 |
| Assets per employee ($millions) | 3.1317% | 5,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 6,875 |
| Loan loss allowance to noncurrent loans | 120.5897% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.5971% | 5,686 |
| Noncurrent loans to loans | 0.7213% | 5,616 |
| Net loans and leases to total assets | 82.0660% | 1,007 |
| Net loans and leases to deposits | 92.6072% | 2,497 |
| Net loans and leases to core deposits | 104.4499% | 4,089 |
| Total domestic deposits to total assets | 88.6173% | 1,414 |
| Equity capital to assets | 9.5752% | 4,562 |
| Core capital (leverage) ratio | 9.5166% | 3,957 |
| Tier 1 risk-based capital ratio | 17.8008% | 2,100 |
| Total risk-based capital ratio | 19.0516% | 2,050 |
| Memoranda: | ||
| Average total assets | $334,878,500 | 2,079 |
| Average earning assets | $322,521,500 | 1,970 |
| Average equity | $31,847,500 | 2,127 |
| Average total loans | $275,886,000 | 1,795 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8923% | 6,074 |
| Cost of funding earning assets | 1.9993% | 6,419 |
| Net interest margin | 3.8930% | 3,592 |
| Noninterest income to average assets | 0.6095% | 3,777 |
| Noninterest expense to average assets | 2.9626% | 4,216 |
| Loan and lease loss provision to assets | 0.0904% | 6,254 |
| Net operating income to assets | 0.8338% | 3,290 |
| Return on assets (ROA) | 0.8560% | 3,041 |
| Pretax return on assets | 1.2782% | 2,383 |
| Return on Equity (ROE) | 8.9174% | 2,670 |
| Retained earnings to average equity (ytd only) | 4.8024% | 2,150 |
| Net charge-offs to loans | 0.0645% | 5,853 |
| Credit loss provision to net charge-offs | 170.0000% | 3,013 |
| Earnings coverage of net charge-offs (x) | 25.1176% | 1,347 |
| Efficiency ratio | 68.9296% | 4,556 |
| Assets per employee ($millions) | 3.2179% | 5,434 |
| Cash dividends to net income (ytd only)* | 46.1454% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 6,847 |
| Loan loss allowance to noncurrent loans | 100.7676% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.7007% | 5,122 |
| Noncurrent loans to loans | 0.8547% | 4,912 |
| Net loans and leases to total assets | 81.2751% | 1,367 |
| Net loans and leases to deposits | 93.3760% | 2,880 |
| Net loans and leases to core deposits | 105.9096% | 4,206 |
| Total domestic deposits to total assets | 87.0406% | 1,915 |
| Equity capital to assets | 9.4451% | 4,759 |
| Core capital (leverage) ratio | 9.5256% | 3,982 |
| Tier 1 risk-based capital ratio | 17.5817% | 2,155 |
| Total risk-based capital ratio | 18.8147% | 2,099 |
| Memoranda: | ||
| Average total assets | $319,749,800 | 2,087 |
| Average earning assets | $302,956,200 | 2,019 |
| Average equity | $30,692,800 | 2,196 |
| Average total loans | $263,486,800 | 1,813 |