Home > Meredith Village Savings Bank > Performance and Condition Ratios
Meredith Village Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4214% | 3,241 |
| Cost of funding earning assets | 1.5558% | 1,797 |
| Net interest margin | 2.8657% | 3,549 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.3464% | 2,728 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.4523% | 3,764 |
| Return on assets (ROA) | 0.4523% | 3,764 |
| Pretax return on assets | 0.5924% | 3,645 |
| Return on Equity (ROE) | 5.4900% | 3,627 |
| Retained earnings to average equity (ytd only) | 5.3925% | 2,452 |
| Net charge-offs to loans | 0.0435% | 1,456 |
| Credit loss provision to net charge-offs | 303.5144% | 953 |
| Earnings coverage of net charge-offs (x) | 18.2508% | 1,943 |
| Efficiency ratio | 76.6570% | 1,194 |
| Assets per employee ($millions) | 7.8691% | 1,509 |
| Cash dividends to net income (ytd only)* | 1.8529% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 3,476 |
| Loan loss allowance to noncurrent loans | 290.8627% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 1,738 |
| Noncurrent loans to loans | 0.3312% | 1,996 |
| Net loans and leases to total assets | 89.5800% | 42 |
| Net loans and leases to deposits | 123.3834% | 65 |
| Net loans and leases to core deposits | 142.2969% | 250 |
| Total domestic deposits to total assets | 72.6000% | 4,194 |
| Equity capital to assets | 8.3523% | 3,157 |
| Core capital (leverage) ratio | 9.0230% | 3,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1649% | 1,811 |
| Memoranda: | ||
| Average total assets | $1,599,035,600 | 682 |
| Average earning assets | $1,526,445,200 | 656 |
| Average equity | $131,627,400 | 752 |
| Average total loans | $1,439,470,400 | 529 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3449% | 3,204 |
| Cost of funding earning assets | 1.4473% | 1,741 |
| Net interest margin | 2.8976% | 3,550 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.4426% | 2,395 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.3961% | 3,971 |
| Return on assets (ROA) | 0.3961% | 3,968 |
| Pretax return on assets | 0.5184% | 3,874 |
| Return on Equity (ROE) | 4.8300% | 3,839 |
| Retained earnings to average equity (ytd only) | 4.7253% | 3,032 |
| Net charge-offs to loans | 0.0218% | 1,664 |
| Credit loss provision to net charge-offs | 599.1453% | 559 |
| Earnings coverage of net charge-offs (x) | 32.6667% | 1,550 |
| Efficiency ratio | 79.2085% | 909 |
| Assets per employee ($millions) | 7.4596% | 1,663 |
| Cash dividends to net income (ytd only)* | 2.1808% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 3,513 |
| Loan loss allowance to noncurrent loans | 270.3400% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 1,715 |
| Noncurrent loans to loans | 0.3573% | 1,948 |
| Net loans and leases to total assets | 89.6600% | 42 |
| Net loans and leases to deposits | 121.0726% | 69 |
| Net loans and leases to core deposits | 139.5571% | 225 |
| Total domestic deposits to total assets | 74.0500% | 4,156 |
| Equity capital to assets | 8.0752% | 3,013 |
| Core capital (leverage) ratio | 8.9579% | 3,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8155% | 1,964 |
| Memoranda: | ||
| Average total assets | $1,589,603,250 | 687 |
| Average earning assets | $1,516,686,000 | 664 |
| Average equity | $130,357,500 | 757 |
| Average total loans | $1,429,216,000 | 534 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2522% | 3,194 |
| Cost of funding earning assets | 1.3404% | 1,610 |
| Net interest margin | 2.9118% | 3,626 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.4443% | 2,366 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.3912% | 4,018 |
| Return on assets (ROA) | 0.3912% | 4,033 |
| Pretax return on assets | 0.5119% | 3,948 |
| Return on Equity (ROE) | 4.7500% | 3,914 |
| Retained earnings to average equity (ytd only) | 4.6407% | 3,045 |
| Net charge-offs to loans | 0.0210% | 1,469 |
| Credit loss provision to net charge-offs | 607.3826% | 569 |
| Earnings coverage of net charge-offs (x) | 33.5973% | 1,495 |
| Efficiency ratio | 79.4119% | 877 |
| Assets per employee ($millions) | 6.7360% | 2,113 |
| Cash dividends to net income (ytd only)* | 2.2006% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 3,634 |
| Loan loss allowance to noncurrent loans | 215.1378% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3980% | 1,340 |
| Noncurrent loans to loans | 0.4403% | 1,622 |
| Net loans and leases to total assets | 88.8900% | 58 |
| Net loans and leases to deposits | 121.2529% | 83 |
| Net loans and leases to core deposits | 139.3838% | 221 |
| Total domestic deposits to total assets | 73.3100% | 4,236 |
| Equity capital to assets | 8.1493% | 3,120 |
| Core capital (leverage) ratio | 8.9858% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6753% | 2,028 |
| Memoranda: | ||
| Average total assets | $1,579,896,000 | 680 |
| Average earning assets | $1,506,689,000 | 655 |
| Average equity | $130,238,333 | 755 |
| Average total loans | $1,417,145,000 | 525 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1828% | 3,078 |
| Cost of funding earning assets | 1.1371% | 1,638 |
| Net interest margin | 3.0458% | 3,479 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.4340% | 2,426 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.5090% | 3,877 |
| Return on assets (ROA) | 0.5090% | 3,839 |
| Pretax return on assets | 0.6729% | 3,714 |
| Return on Equity (ROE) | 6.1400% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.0300% | 2,752 |
| Net charge-offs to loans | 0.0206% | 1,265 |
| Credit loss provision to net charge-offs | 523.6111% | 532 |
| Earnings coverage of net charge-offs (x) | 42.2361% | 1,171 |
| Efficiency ratio | 75.7554% | 1,189 |
| Assets per employee ($millions) | 6.7101% | 2,187 |
| Cash dividends to net income (ytd only)* | 1.7614% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 3,743 |
| Loan loss allowance to noncurrent loans | 282.8760% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3024% | 1,652 |
| Noncurrent loans to loans | 0.3333% | 1,960 |
| Net loans and leases to total assets | 88.9900% | 50 |
| Net loans and leases to deposits | 121.7461% | 72 |
| Net loans and leases to core deposits | 137.6891% | 200 |
| Total domestic deposits to total assets | 73.0900% | 4,316 |
| Equity capital to assets | 8.3481% | 3,005 |
| Core capital (leverage) ratio | 9.1177% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7738% | 2,058 |
| Memoranda: | ||
| Average total assets | $1,561,520,500 | 699 |
| Average earning assets | $1,490,469,000 | 671 |
| Average equity | $129,486,000 | 765 |
| Average total loans | $1,400,306,500 | 540 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8503% | 2,135 |
| Cost of funding earning assets | 0.3236% | 2,692 |
| Net interest margin | 3.5267% | 1,848 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.6866% | 1,587 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.7718% | 3,419 |
| Return on assets (ROA) | 0.7724% | 3,359 |
| Pretax return on assets | 0.9882% | 3,105 |
| Return on Equity (ROE) | 8.5300% | 3,247 |
| Retained earnings to average equity (ytd only) | 8.4500% | 1,654 |
| Net charge-offs to loans | 0.0221% | 1,623 |
| Credit loss provision to net charge-offs | 778.1818% | 502 |
| Earnings coverage of net charge-offs (x) | 57.9491% | 1,279 |
| Efficiency ratio | 70.1964% | 1,655 |
| Assets per employee ($millions) | 6.4703% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.9452% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 3,649 |
| Loan loss allowance to noncurrent loans | 316.5164% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 1,820 |
| Noncurrent loans to loans | 0.2953% | 2,080 |
| Net loans and leases to total assets | 88.6800% | 57 |
| Net loans and leases to deposits | 117.2920% | 84 |
| Net loans and leases to core deposits | 129.6540% | 227 |
| Total domestic deposits to total assets | 75.6000% | 4,280 |
| Equity capital to assets | 8.2359% | 2,909 |
| Core capital (leverage) ratio | 9.1978% | 3,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6744% | 2,097 |
| Memoranda: | ||
| Average total assets | $1,397,068,200 | 745 |
| Average earning assets | $1,332,048,800 | 719 |
| Average equity | $126,496,800 | 782 |
| Average total loans | $1,242,406,000 | 565 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7488% | 1,895 |
| Cost of funding earning assets | 0.1673% | 3,655 |
| Net interest margin | 3.5816% | 1,433 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.6939% | 1,487 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.7435% | 3,440 |
| Return on assets (ROA) | 0.7442% | 3,386 |
| Pretax return on assets | 0.9874% | 3,056 |
| Return on Equity (ROE) | 8.0100% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.9387% | 2,023 |
| Net charge-offs to loans | 0.0097% | 1,764 |
| Credit loss provision to net charge-offs | 965.9091% | 417 |
| Earnings coverage of net charge-offs (x) | 123.8409% | 830 |
| Efficiency ratio | 71.5739% | 1,581 |
| Assets per employee ($millions) | 6.7745% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.9234% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 3,871 |
| Loan loss allowance to noncurrent loans | 274.2159% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 1,764 |
| Noncurrent loans to loans | 0.3265% | 2,064 |
| Net loans and leases to total assets | 88.7100% | 45 |
| Net loans and leases to deposits | 109.2125% | 130 |
| Net loans and leases to core deposits | 117.5290% | 304 |
| Total domestic deposits to total assets | 81.2300% | 3,945 |
| Equity capital to assets | 8.3527% | 2,639 |
| Core capital (leverage) ratio | 9.6133% | 2,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9724% | 2,061 |
| Memoranda: | ||
| Average total assets | $1,358,115,000 | 765 |
| Average earning assets | $1,295,379,500 | 742 |
| Average equity | $126,147,500 | 790 |
| Average total loans | $1,205,497,000 | 572 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6844% | 1,573 |
| Cost of funding earning assets | 0.1042% | 4,149 |
| Net interest margin | 3.5802% | 1,103 |
| Noninterest income to average assets | 0.3583% | 3,002 |
| Noninterest expense to average assets | 2.7520% | 1,262 |
| Loan and lease loss provision to assets | 0.0278% | 2,091 |
| Net operating income to assets | 0.7503% | 3,142 |
| Return on assets (ROA) | 0.7515% | 3,092 |
| Pretax return on assets | 0.9943% | 2,755 |
| Return on Equity (ROE) | 7.7958% | 3,073 |
| Retained earnings to average equity (ytd only) | 7.7422% | 1,710 |
| Net charge-offs to loans | 0.0151% | 1,456 |
| Credit loss provision to net charge-offs | 207.9545% | 951 |
| Earnings coverage of net charge-offs (x) | 76.3295% | 957 |
| Efficiency ratio | 72.9470% | 1,636 |
| Assets per employee ($millions) | 6.0081% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.6874% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 3,892 |
| Loan loss allowance to noncurrent loans | 204.2031% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 1,392 |
| Noncurrent loans to loans | 0.4506% | 1,769 |
| Net loans and leases to total assets | 88.2158% | 37 |
| Net loans and leases to deposits | 103.5196% | 180 |
| Net loans and leases to core deposits | 108.8566% | 371 |
| Total domestic deposits to total assets | 85.2166% | 3,434 |
| Equity capital to assets | 9.1495% | 2,283 |
| Core capital (leverage) ratio | 10.1763% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7385% | 1,788 |
| Memoranda: | ||
| Average total assets | $1,316,283,667 | 780 |
| Average earning assets | $1,255,286,000 | 759 |
| Average equity | $126,889,333 | 793 |
| Average total loans | $1,164,649,667 | 581 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6642% | 1,355 |
| Cost of funding earning assets | 0.0942% | 4,209 |
| Net interest margin | 3.5700% | 944 |
| Noninterest income to average assets | 0.3651% | 2,900 |
| Noninterest expense to average assets | 2.6500% | 1,478 |
| Loan and lease loss provision to assets | 0.0558% | 1,384 |
| Net operating income to assets | 0.8003% | 2,656 |
| Return on assets (ROA) | 0.8028% | 2,640 |
| Pretax return on assets | 1.0720% | 2,228 |
| Return on Equity (ROE) | 8.1086% | 2,648 |
| Retained earnings to average equity (ytd only) | 8.1086% | 1,548 |
| Net charge-offs to loans | 0.0127% | 1,304 |
| Credit loss provision to net charge-offs | 500.0000% | 514 |
| Earnings coverage of net charge-offs (x) | 100.7222% | 671 |
| Efficiency ratio | 70.2030% | 2,200 |
| Assets per employee ($millions) | 6.0089% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 3,783 |
| Loan loss allowance to noncurrent loans | 195.9326% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 1,358 |
| Noncurrent loans to loans | 0.5033% | 1,769 |
| Net loans and leases to total assets | 87.6018% | 33 |
| Net loans and leases to deposits | 100.9430% | 156 |
| Net loans and leases to core deposits | 105.2228% | 365 |
| Total domestic deposits to total assets | 86.7834% | 3,005 |
| Equity capital to assets | 9.8287% | 2,032 |
| Core capital (leverage) ratio | 10.2601% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0569% | 1,500 |
| Memoranda: | ||
| Average total assets | $1,289,504,000 | 809 |
| Average earning assets | $1,231,599,000 | 788 |
| Average equity | $127,667,000 | 803 |
| Average total loans | $1,137,154,000 | 588 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8501% | 1,741 |
| Cost of funding earning assets | 0.1510% | 3,968 |
| Net interest margin | 3.6991% | 1,215 |
| Noninterest income to average assets | 0.3865% | 3,128 |
| Noninterest expense to average assets | 2.7064% | 1,618 |
| Loan and lease loss provision to assets | 0.1264% | 972 |
| Net operating income to assets | 0.8160% | 3,283 |
| Return on assets (ROA) | 0.8269% | 3,323 |
| Pretax return on assets | 1.0940% | 2,989 |
| Return on Equity (ROE) | 8.0744% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.8594% | 1,599 |
| Net charge-offs to loans | 0.0098% | 2,193 |
| Credit loss provision to net charge-offs | 1,474.0385% | 393 |
| Earnings coverage of net charge-offs (x) | 140.6923% | 701 |
| Efficiency ratio | 69.1633% | 1,840 |
| Assets per employee ($millions) | 6.1583% | 2,602 |
| Cash dividends to net income (ytd only)* | 2.6628% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 3,814 |
| Loan loss allowance to noncurrent loans | 211.0374% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 1,595 |
| Noncurrent loans to loans | 0.4661% | 1,966 |
| Net loans and leases to total assets | 87.0308% | 44 |
| Net loans and leases to deposits | 100.9681% | 181 |
| Net loans and leases to core deposits | 105.2957% | 387 |
| Total domestic deposits to total assets | 86.1964% | 2,835 |
| Equity capital to assets | 9.9725% | 2,679 |
| Core capital (leverage) ratio | 10.3130% | 2,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0649% | 1,488 |
| Memoranda: | ||
| Average total assets | $1,212,622,600 | 822 |
| Average earning assets | $1,156,052,600 | 802 |
| Average equity | $124,182,600 | 833 |
| Average total loans | $1,065,916,600 | 620 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 1,848 |
| Cost of funding earning assets | 0.1710% | 3,912 |
| Net interest margin | 3.7012% | 1,324 |
| Noninterest income to average assets | 0.3761% | 3,226 |
| Noninterest expense to average assets | 2.6707% | 1,663 |
| Loan and lease loss provision to assets | 0.1070% | 1,130 |
| Net operating income to assets | 0.8473% | 3,399 |
| Return on assets (ROA) | 0.8621% | 3,412 |
| Pretax return on assets | 1.1426% | 3,094 |
| Return on Equity (ROE) | 8.3589% | 3,294 |
| Retained earnings to average equity (ytd only) | 8.1185% | 2,017 |
| Net charge-offs to loans | 0.0061% | 2,096 |
| Credit loss provision to net charge-offs | 1,995.8333% | 334 |
| Earnings coverage of net charge-offs (x) | 229.6458% | 513 |
| Efficiency ratio | 68.4516% | 1,766 |
| Assets per employee ($millions) | 6.1563% | 2,543 |
| Cash dividends to net income (ytd only)* | 2.8756% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 3,914 |
| Loan loss allowance to noncurrent loans | 276.2500% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 2,222 |
| Noncurrent loans to loans | 0.3546% | 2,503 |
| Net loans and leases to total assets | 86.6676% | 57 |
| Net loans and leases to deposits | 100.2545% | 224 |
| Net loans and leases to core deposits | 105.0981% | 430 |
| Total domestic deposits to total assets | 86.4476% | 2,583 |
| Equity capital to assets | 10.2188% | 2,692 |
| Core capital (leverage) ratio | 10.2631% | 2,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6734% | 1,437 |
| Memoranda: | ||
| Average total assets | $1,194,006,250 | 844 |
| Average earning assets | $1,137,340,250 | 822 |
| Average equity | $123,139,500 | 855 |
| Average total loans | $1,049,573,000 | 643 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8742% | 1,886 |
| Cost of funding earning assets | 0.2041% | 3,709 |
| Net interest margin | 3.6701% | 1,425 |
| Noninterest income to average assets | 0.3739% | 3,244 |
| Noninterest expense to average assets | 2.6495% | 1,727 |
| Loan and lease loss provision to assets | 0.0987% | 1,284 |
| Net operating income to assets | 0.8439% | 3,383 |
| Return on assets (ROA) | 0.8663% | 3,386 |
| Pretax return on assets | 1.1477% | 3,068 |
| Return on Equity (ROE) | 8.3729% | 3,289 |
| Retained earnings to average equity (ytd only) | 8.0091% | 2,067 |
| Net charge-offs to loans | 0.0083% | 1,831 |
| Credit loss provision to net charge-offs | 1,353.4884% | 386 |
| Earnings coverage of net charge-offs (x) | 167.0698% | 555 |
| Efficiency ratio | 68.5050% | 1,816 |
| Assets per employee ($millions) | 5.7304% | 2,863 |
| Cash dividends to net income (ytd only)* | 4.3453% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 3,957 |
| Loan loss allowance to noncurrent loans | 281.0321% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 2,432 |
| Noncurrent loans to loans | 0.3425% | 2,681 |
| Net loans and leases to total assets | 86.3061% | 76 |
| Net loans and leases to deposits | 99.3391% | 276 |
| Net loans and leases to core deposits | 104.1939% | 530 |
| Total domestic deposits to total assets | 86.8803% | 2,392 |
| Equity capital to assets | 10.1774% | 2,699 |
| Core capital (leverage) ratio | 10.5066% | 1,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7343% | 1,404 |
| Memoranda: | ||
| Average total assets | $1,179,535,000 | 843 |
| Average earning assets | $1,122,862,000 | 823 |
| Average equity | $122,036,000 | 854 |
| Average total loans | $1,038,414,000 | 651 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 1,840 |
| Cost of funding earning assets | 0.2531% | 3,449 |
| Net interest margin | 3.6425% | 1,469 |
| Noninterest income to average assets | 0.3496% | 3,347 |
| Noninterest expense to average assets | 2.5977% | 1,889 |
| Loan and lease loss provision to assets | 0.0908% | 1,462 |
| Net operating income to assets | 0.8563% | 3,250 |
| Return on assets (ROA) | 0.9018% | 3,203 |
| Pretax return on assets | 1.1910% | 2,870 |
| Return on Equity (ROE) | 8.6421% | 3,148 |
| Retained earnings to average equity (ytd only) | 8.5164% | 2,094 |
| Net charge-offs to loans | 0.0133% | 1,481 |
| Credit loss provision to net charge-offs | 773.5294% | 485 |
| Earnings coverage of net charge-offs (x) | 104.3235% | 604 |
| Efficiency ratio | 67.9700% | 1,937 |
| Assets per employee ($millions) | 5.9949% | 2,605 |
| Cash dividends to net income (ytd only)* | 1.4543% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 4,016 |
| Loan loss allowance to noncurrent loans | 275.6247% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 2,605 |
| Noncurrent loans to loans | 0.3450% | 2,861 |
| Net loans and leases to total assets | 87.5762% | 52 |
| Net loans and leases to deposits | 101.3495% | 249 |
| Net loans and leases to core deposits | 106.5290% | 492 |
| Total domestic deposits to total assets | 86.4100% | 2,570 |
| Equity capital to assets | 10.2720% | 2,458 |
| Core capital (leverage) ratio | 10.5509% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9047% | 1,322 |
| Memoranda: | ||
| Average total assets | $1,159,012,000 | 846 |
| Average earning assets | $1,104,860,500 | 824 |
| Average equity | $120,942,500 | 855 |
| Average total loans | $1,025,784,000 | 658 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2061% | 2,118 |
| Cost of funding earning assets | 0.5088% | 2,895 |
| Net interest margin | 3.6973% | 1,809 |
| Noninterest income to average assets | 0.5434% | 2,451 |
| Noninterest expense to average assets | 2.8602% | 1,787 |
| Loan and lease loss provision to assets | 0.2851% | 1,334 |
| Net operating income to assets | 0.6902% | 3,466 |
| Return on assets (ROA) | 0.7346% | 3,441 |
| Pretax return on assets | 0.9550% | 3,200 |
| Return on Equity (ROE) | 6.8384% | 3,265 |
| Retained earnings to average equity (ytd only) | 6.7577% | 1,481 |
| Net charge-offs to loans | 0.0017% | 3,349 |
| Credit loss provision to net charge-offs | 19,312.5000% | 49 |
| Earnings coverage of net charge-offs (x) | 802.0625% | 148 |
| Efficiency ratio | 70.7263% | 1,851 |
| Assets per employee ($millions) | 5.8610% | 2,482 |
| Cash dividends to net income (ytd only)* | 1.1805% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 3,995 |
| Loan loss allowance to noncurrent loans | 265.5805% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 2,713 |
| Noncurrent loans to loans | 0.3625% | 2,898 |
| Net loans and leases to total assets | 87.7437% | 48 |
| Net loans and leases to deposits | 102.2431% | 306 |
| Net loans and leases to core deposits | 107.7960% | 578 |
| Total domestic deposits to total assets | 85.8186% | 2,447 |
| Equity capital to assets | 10.6042% | 2,590 |
| Core capital (leverage) ratio | 10.3654% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7032% | 1,342 |
| Memoranda: | ||
| Average total assets | $1,084,002,400 | 815 |
| Average earning assets | $1,026,340,000 | 801 |
| Average equity | $116,445,400 | 846 |
| Average total loans | $950,977,200 | 675 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2056% | 2,388 |
| Cost of funding earning assets | 0.5630% | 2,852 |
| Net interest margin | 3.6426% | 2,115 |
| Noninterest income to average assets | 0.5307% | 2,475 |
| Noninterest expense to average assets | 2.7952% | 1,976 |
| Loan and lease loss provision to assets | 0.1833% | 2,151 |
| Net operating income to assets | 0.7622% | 3,244 |
| Return on assets (ROA) | 0.8108% | 3,174 |
| Pretax return on assets | 1.0577% | 2,879 |
| Return on Equity (ROE) | 7.5218% | 3,001 |
| Retained earnings to average equity (ytd only) | 7.4501% | 1,513 |
| Net charge-offs to loans | 0.0014% | 3,164 |
| Credit loss provision to net charge-offs | 14,720.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 947.2000% | 125 |
| Efficiency ratio | 70.3258% | 1,840 |
| Assets per employee ($millions) | 5.9833% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.9522% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 4,325 |
| Loan loss allowance to noncurrent loans | 226.6536% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 2,914 |
| Noncurrent loans to loans | 0.3598% | 2,994 |
| Net loans and leases to total assets | 85.6266% | 168 |
| Net loans and leases to deposits | 101.8423% | 462 |
| Net loans and leases to core deposits | 108.7916% | 741 |
| Total domestic deposits to total assets | 84.0776% | 2,790 |
| Equity capital to assets | 10.3630% | 2,909 |
| Core capital (leverage) ratio | 10.4626% | 2,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2610% | 1,195 |
| Memoranda: | ||
| Average total assets | $1,070,746,250 | 812 |
| Average earning assets | $1,012,371,250 | 800 |
| Average equity | $115,413,500 | 848 |
| Average total loans | $936,879,500 | 678 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2761% | 2,533 |
| Cost of funding earning assets | 0.6157% | 2,887 |
| Net interest margin | 3.6603% | 2,294 |
| Noninterest income to average assets | 0.4407% | 2,856 |
| Noninterest expense to average assets | 2.8015% | 2,095 |
| Loan and lease loss provision to assets | 0.2138% | 1,939 |
| Net operating income to assets | 0.6812% | 3,459 |
| Return on assets (ROA) | 0.6880% | 3,532 |
| Pretax return on assets | 0.8858% | 3,350 |
| Return on Equity (ROE) | 6.2941% | 3,406 |
| Retained earnings to average equity (ytd only) | 6.2363% | 1,968 |
| Net charge-offs to loans | -0.0002% | 3,711 |
| Credit loss provision to net charge-offs | -111,700.0000% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9717% | 1,685 |
| Assets per employee ($millions) | 5.7128% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.9182% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7945% | 4,356 |
| Loan loss allowance to noncurrent loans | 169.0611% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 2,657 |
| Noncurrent loans to loans | 0.4700% | 2,740 |
| Net loans and leases to total assets | 86.3427% | 122 |
| Net loans and leases to deposits | 105.4925% | 327 |
| Net loans and leases to core deposits | 113.3590% | 618 |
| Total domestic deposits to total assets | 81.8472% | 3,410 |
| Equity capital to assets | 10.4061% | 2,831 |
| Core capital (leverage) ratio | 10.8326% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2575% | 1,191 |
| Memoranda: | ||
| Average total assets | $1,044,733,333 | 815 |
| Average earning assets | $985,208,000 | 802 |
| Average equity | $114,201,667 | 854 |
| Average total loans | $918,588,667 | 682 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3843% | 2,675 |
| Cost of funding earning assets | 0.7153% | 2,868 |
| Net interest margin | 3.6690% | 2,434 |
| Noninterest income to average assets | 0.3924% | 3,157 |
| Noninterest expense to average assets | 2.9879% | 1,906 |
| Loan and lease loss provision to assets | 0.2847% | 1,096 |
| Net operating income to assets | 0.4558% | 4,002 |
| Return on assets (ROA) | 0.4583% | 4,053 |
| Pretax return on assets | 0.5897% | 3,936 |
| Return on Equity (ROE) | 4.0834% | 3,925 |
| Retained earnings to average equity (ytd only) | 4.0834% | 2,650 |
| Net charge-offs to loans | -0.0117% | 4,125 |
| Credit loss provision to net charge-offs | -2,757.6923% | 3,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4233% | 1,409 |
| Assets per employee ($millions) | 5.1461% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8149% | 4,375 |
| Loan loss allowance to noncurrent loans | 163.9155% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 2,716 |
| Noncurrent loans to loans | 0.4971% | 2,775 |
| Net loans and leases to total assets | 87.1363% | 92 |
| Net loans and leases to deposits | 117.5281% | 101 |
| Net loans and leases to core deposits | 127.8784% | 301 |
| Total domestic deposits to total assets | 74.1408% | 4,650 |
| Equity capital to assets | 11.0816% | 2,791 |
| Core capital (leverage) ratio | 11.4365% | 2,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5318% | 1,227 |
| Memoranda: | ||
| Average total assets | $1,007,250,000 | 815 |
| Average earning assets | $951,753,500 | 789 |
| Average equity | $113,044,000 | 850 |
| Average total loans | $890,622,000 | 677 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5143% | 2,891 |
| Cost of funding earning assets | 0.8737% | 2,316 |
| Net interest margin | 3.6406% | 2,993 |
| Noninterest income to average assets | 0.4988% | 2,748 |
| Noninterest expense to average assets | 2.8475% | 2,449 |
| Loan and lease loss provision to assets | 0.0403% | 3,207 |
| Net operating income to assets | 0.8001% | 3,554 |
| Return on assets (ROA) | 0.8034% | 3,628 |
| Pretax return on assets | 1.0383% | 3,367 |
| Return on Equity (ROE) | 7.2977% | 3,446 |
| Retained earnings to average equity (ytd only) | 6.2385% | 1,751 |
| Net charge-offs to loans | 0.0243% | 2,919 |
| Credit loss provision to net charge-offs | 189.0476% | 1,396 |
| Earnings coverage of net charge-offs (x) | 50.4143% | 1,123 |
| Efficiency ratio | 72.6045% | 1,784 |
| Assets per employee ($millions) | 4.8776% | 2,735 |
| Cash dividends to net income (ytd only)* | 14.5149% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7554% | 4,435 |
| Loan loss allowance to noncurrent loans | 154.8259% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 2,629 |
| Noncurrent loans to loans | 0.4879% | 2,728 |
| Net loans and leases to total assets | 88.3431% | 78 |
| Net loans and leases to deposits | 116.4659% | 107 |
| Net loans and leases to core deposits | 125.1594% | 361 |
| Total domestic deposits to total assets | 75.8532% | 4,613 |
| Equity capital to assets | 11.3707% | 2,644 |
| Core capital (leverage) ratio | 11.3427% | 2,221 |
| Tier 1 risk-based capital ratio | 16.7282% | 2,146 |
| Total risk-based capital ratio | 17.7536% | 2,160 |
| Memoranda: | ||
| Average total assets | $985,348,000 | 794 |
| Average earning assets | $926,497,400 | 775 |
| Average equity | $108,472,400 | 838 |
| Average total loans | $862,619,000 | 665 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4997% | 3,064 |
| Cost of funding earning assets | 0.8993% | 2,239 |
| Net interest margin | 3.6004% | 3,250 |
| Noninterest income to average assets | 0.4518% | 3,008 |
| Noninterest expense to average assets | 2.7659% | 2,666 |
| Loan and lease loss provision to assets | 0.0574% | 2,749 |
| Net operating income to assets | 0.7862% | 3,712 |
| Return on assets (ROA) | 0.7906% | 3,776 |
| Pretax return on assets | 1.0175% | 3,537 |
| Return on Equity (ROE) | 7.2414% | 3,598 |
| Retained earnings to average equity (ytd only) | 7.1038% | 1,817 |
| Net charge-offs to loans | 0.0166% | 2,811 |
| Credit loss provision to net charge-offs | 396.2617% | 764 |
| Earnings coverage of net charge-offs (x) | 73.8614% | 914 |
| Efficiency ratio | 72.1176% | 1,821 |
| Assets per employee ($millions) | 5.2434% | 2,294 |
| Cash dividends to net income (ytd only)* | 1.8998% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7632% | 4,514 |
| Loan loss allowance to noncurrent loans | 133.4716% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 2,457 |
| Noncurrent loans to loans | 0.5718% | 2,585 |
| Net loans and leases to total assets | 87.7040% | 108 |
| Net loans and leases to deposits | 117.8943% | 108 |
| Net loans and leases to core deposits | 129.0363% | 305 |
| Total domestic deposits to total assets | 74.3920% | 4,791 |
| Equity capital to assets | 11.0847% | 3,025 |
| Core capital (leverage) ratio | 11.2237% | 2,445 |
| Tier 1 risk-based capital ratio | 16.3066% | 2,333 |
| Total risk-based capital ratio | 17.3346% | 2,340 |
| Memoranda: | ||
| Average total assets | $985,366,500 | 794 |
| Average earning assets | $925,987,000 | 776 |
| Average equity | $107,582,250 | 841 |
| Average total loans | $859,012,000 | 674 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4878% | 3,057 |
| Cost of funding earning assets | 0.9054% | 2,115 |
| Net interest margin | 3.5825% | 3,324 |
| Noninterest income to average assets | 0.4257% | 3,095 |
| Noninterest expense to average assets | 2.7576% | 2,728 |
| Loan and lease loss provision to assets | 0.0584% | 2,658 |
| Net operating income to assets | 0.7490% | 3,835 |
| Return on assets (ROA) | 0.7551% | 3,873 |
| Pretax return on assets | 0.9825% | 3,607 |
| Return on Equity (ROE) | 6.9523% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.8077% | 1,898 |
| Net charge-offs to loans | 0.0233% | 2,381 |
| Credit loss provision to net charge-offs | 288.8889% | 929 |
| Earnings coverage of net charge-offs (x) | 51.1313% | 1,076 |
| Efficiency ratio | 72.7469% | 1,810 |
| Assets per employee ($millions) | 5.0734% | 2,385 |
| Cash dividends to net income (ytd only)* | 2.0811% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7618% | 4,576 |
| Loan loss allowance to noncurrent loans | 389.0194% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 3,841 |
| Noncurrent loans to loans | 0.1958% | 3,850 |
| Net loans and leases to total assets | 86.7949% | 162 |
| Net loans and leases to deposits | 114.8565% | 130 |
| Net loans and leases to core deposits | 130.5852% | 316 |
| Total domestic deposits to total assets | 75.5681% | 4,717 |
| Equity capital to assets | 10.9303% | 3,148 |
| Core capital (leverage) ratio | 11.0946% | 2,507 |
| Tier 1 risk-based capital ratio | 16.4444% | 2,262 |
| Total risk-based capital ratio | 17.4815% | 2,267 |
| Memoranda: | ||
| Average total assets | $979,991,000 | 797 |
| Average earning assets | $920,486,000 | 779 |
| Average equity | $106,439,000 | 846 |
| Average total loans | $850,314,670 | 681 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4334% | 3,105 |
| Cost of funding earning assets | 0.8576% | 2,229 |
| Net interest margin | 3.5758% | 3,344 |
| Noninterest income to average assets | 0.3943% | 3,221 |
| Noninterest expense to average assets | 2.6818% | 2,960 |
| Loan and lease loss provision to assets | 0.0580% | 2,496 |
| Net operating income to assets | 0.7754% | 3,698 |
| Return on assets (ROA) | 0.7751% | 3,745 |
| Pretax return on assets | 1.0165% | 3,392 |
| Return on Equity (ROE) | 7.1596% | 3,610 |
| Retained earnings to average equity (ytd only) | 7.0190% | 2,034 |
| Net charge-offs to loans | 0.0428% | 1,661 |
| Credit loss provision to net charge-offs | 156.6667% | 1,209 |
| Earnings coverage of net charge-offs (x) | 29.0444% | 1,351 |
| Efficiency ratio | 71.3879% | 2,131 |
| Assets per employee ($millions) | 5.1609% | 2,323 |
| Cash dividends to net income (ytd only)* | 1.9629% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7673% | 4,618 |
| Loan loss allowance to noncurrent loans | 338.3212% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 3,753 |
| Noncurrent loans to loans | 0.2268% | 3,768 |
| Net loans and leases to total assets | 86.4909% | 161 |
| Net loans and leases to deposits | 114.8165% | 139 |
| Net loans and leases to core deposits | 129.9241% | 311 |
| Total domestic deposits to total assets | 75.3297% | 4,832 |
| Equity capital to assets | 10.9862% | 2,867 |
| Core capital (leverage) ratio | 11.1003% | 2,475 |
| Tier 1 risk-based capital ratio | 16.7079% | 2,198 |
| Total risk-based capital ratio | 17.7578% | 2,215 |
| Memoranda: | ||
| Average total assets | $972,792,500 | 807 |
| Average earning assets | $914,697,000 | 787 |
| Average equity | $105,313,500 | 851 |
| Average total loans | $840,620,500 | 690 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3682% | 2,869 |
| Cost of funding earning assets | 0.6366% | 2,488 |
| Net interest margin | 3.7316% | 2,933 |
| Noninterest income to average assets | 0.4956% | 2,851 |
| Noninterest expense to average assets | 2.8045% | 2,677 |
| Loan and lease loss provision to assets | 0.0738% | 2,654 |
| Net operating income to assets | 0.8587% | 3,581 |
| Return on assets (ROA) | 0.8587% | 3,578 |
| Pretax return on assets | 1.1082% | 3,235 |
| Return on Equity (ROE) | 8.0620% | 3,406 |
| Retained earnings to average equity (ytd only) | 8.0400% | 1,216 |
| Net charge-offs to loans | 0.0098% | 3,342 |
| Credit loss provision to net charge-offs | 877.2152% | 407 |
| Earnings coverage of net charge-offs (x) | 140.4430% | 586 |
| Efficiency ratio | 70.3485% | 2,127 |
| Assets per employee ($millions) | 5.2721% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.2730% | 4,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7705% | 4,626 |
| Loan loss allowance to noncurrent loans | 312.3726% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 3,683 |
| Noncurrent loans to loans | 0.2467% | 3,703 |
| Net loans and leases to total assets | 85.0103% | 313 |
| Net loans and leases to deposits | 114.5398% | 160 |
| Net loans and leases to core deposits | 127.5195% | 363 |
| Total domestic deposits to total assets | 74.2190% | 4,937 |
| Equity capital to assets | 10.6664% | 3,018 |
| Core capital (leverage) ratio | 11.0105% | 2,518 |
| Tier 1 risk-based capital ratio | 16.5529% | 2,225 |
| Total risk-based capital ratio | 17.6034% | 2,227 |
| Memoranda: | ||
| Average total assets | $938,615,000 | 811 |
| Average earning assets | $878,074,000 | 804 |
| Average equity | $99,975,600 | 853 |
| Average total loans | $803,527,800 | 695 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3426% | 2,813 |
| Cost of funding earning assets | 0.6027% | 2,457 |
| Net interest margin | 3.7400% | 2,861 |
| Noninterest income to average assets | 0.4744% | 3,018 |
| Noninterest expense to average assets | 2.7757% | 2,726 |
| Loan and lease loss provision to assets | 0.0739% | 2,477 |
| Net operating income to assets | 0.8584% | 3,702 |
| Return on assets (ROA) | 0.8584% | 3,705 |
| Pretax return on assets | 1.1207% | 3,318 |
| Return on Equity (ROE) | 8.0622% | 3,522 |
| Retained earnings to average equity (ytd only) | 8.0326% | 1,637 |
| Net charge-offs to loans | 0.0132% | 2,955 |
| Credit loss provision to net charge-offs | 651.8987% | 558 |
| Earnings coverage of net charge-offs (x) | 105.4058% | 717 |
| Efficiency ratio | 69.9126% | 2,202 |
| Assets per employee ($millions) | 5.2307% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.3676% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7572% | 4,742 |
| Loan loss allowance to noncurrent loans | 227.8020% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 3,407 |
| Noncurrent loans to loans | 0.3324% | 3,474 |
| Net loans and leases to total assets | 86.1848% | 249 |
| Net loans and leases to deposits | 113.5627% | 195 |
| Net loans and leases to core deposits | 125.8656% | 411 |
| Total domestic deposits to total assets | 75.8918% | 4,800 |
| Equity capital to assets | 10.6513% | 2,985 |
| Core capital (leverage) ratio | 10.8926% | 2,684 |
| Tier 1 risk-based capital ratio | 16.4457% | 2,287 |
| Total risk-based capital ratio | 17.4820% | 2,308 |
| Memoranda: | ||
| Average total assets | $929,435,750 | 818 |
| Average earning assets | $868,757,000 | 813 |
| Average equity | $98,961,250 | 853 |
| Average total loans | $795,517,000 | 697 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2842% | 2,818 |
| Cost of funding earning assets | 0.5721% | 2,417 |
| Net interest margin | 3.7121% | 2,881 |
| Noninterest income to average assets | 0.4636% | 3,073 |
| Noninterest expense to average assets | 2.7838% | 2,711 |
| Loan and lease loss provision to assets | 0.0744% | 2,401 |
| Net operating income to assets | 0.8361% | 3,732 |
| Return on assets (ROA) | 0.8361% | 3,738 |
| Pretax return on assets | 1.0710% | 3,430 |
| Return on Equity (ROE) | 7.8534% | 3,565 |
| Retained earnings to average equity (ytd only) | 7.8534% | 1,684 |
| Net charge-offs to loans | 0.0176% | 2,562 |
| Credit loss provision to net charge-offs | 497.1014% | 717 |
| Earnings coverage of net charge-offs (x) | 76.5217% | 842 |
| Efficiency ratio | 70.8481% | 2,184 |
| Assets per employee ($millions) | 4.9845% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7557% | 4,812 |
| Loan loss allowance to noncurrent loans | 162.9610% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.4093% | 3,094 |
| Noncurrent loans to loans | 0.4637% | 3,044 |
| Net loans and leases to total assets | 83.6830% | 495 |
| Net loans and leases to deposits | 111.4956% | 243 |
| Net loans and leases to core deposits | 122.7527% | 494 |
| Total domestic deposits to total assets | 75.0549% | 4,954 |
| Equity capital to assets | 10.4073% | 3,200 |
| Core capital (leverage) ratio | 10.9081% | 2,598 |
| Tier 1 risk-based capital ratio | 16.3316% | 2,319 |
| Total risk-based capital ratio | 17.3560% | 2,334 |
| Memoranda: | ||
| Average total assets | $921,918,000 | 826 |
| Average earning assets | $860,706,670 | 823 |
| Average equity | $98,148,670 | 860 |
| Average total loans | $785,112,670 | 707 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 2,789 |
| Cost of funding earning assets | 0.5156% | 2,670 |
| Net interest margin | 3.7130% | 2,754 |
| Noninterest income to average assets | 0.4812% | 2,929 |
| Noninterest expense to average assets | 2.7662% | 2,820 |
| Loan and lease loss provision to assets | 0.0756% | 2,256 |
| Net operating income to assets | 0.8656% | 3,431 |
| Return on assets (ROA) | 0.8656% | 3,446 |
| Pretax return on assets | 1.1115% | 3,131 |
| Return on Equity (ROE) | 8.0351% | 3,348 |
| Retained earnings to average equity (ytd only) | 8.0351% | 1,819 |
| Net charge-offs to loans | 0.0346% | 1,821 |
| Credit loss provision to net charge-offs | 255.2239% | 900 |
| Earnings coverage of net charge-offs (x) | 40.0597% | 1,065 |
| Efficiency ratio | 69.9709% | 2,487 |
| Assets per employee ($millions) | 4.8546% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7639% | 4,879 |
| Loan loss allowance to noncurrent loans | 179.3103% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 3,285 |
| Noncurrent loans to loans | 0.4260% | 3,261 |
| Net loans and leases to total assets | 85.2887% | 316 |
| Net loans and leases to deposits | 114.3587% | 172 |
| Net loans and leases to core deposits | 125.1122% | 445 |
| Total domestic deposits to total assets | 74.5800% | 5,100 |
| Equity capital to assets | 10.8675% | 2,704 |
| Core capital (leverage) ratio | 11.0037% | 2,433 |
| Tier 1 risk-based capital ratio | 16.6342% | 2,233 |
| Total risk-based capital ratio | 17.6690% | 2,251 |
| Memoranda: | ||
| Average total assets | $904,361,500 | 853 |
| Average earning assets | $845,676,000 | 840 |
| Average equity | $97,422,500 | 869 |
| Average total loans | $774,184,000 | 715 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 2,777 |
| Cost of funding earning assets | 0.4232% | 3,021 |
| Net interest margin | 3.7529% | 2,589 |
| Noninterest income to average assets | 0.6641% | 2,120 |
| Noninterest expense to average assets | 2.9021% | 2,449 |
| Loan and lease loss provision to assets | 0.0760% | 2,675 |
| Net operating income to assets | 0.7099% | 3,557 |
| Return on assets (ROA) | 0.7165% | 3,578 |
| Pretax return on assets | 1.2000% | 2,772 |
| Return on Equity (ROE) | 6.6138% | 3,476 |
| Retained earnings to average equity (ytd only) | 6.5723% | 1,248 |
| Net charge-offs to loans | 0.0113% | 3,692 |
| Credit loss provision to net charge-offs | 785.7143% | 429 |
| Earnings coverage of net charge-offs (x) | 130.7976% | 520 |
| Efficiency ratio | 69.6324% | 2,616 |
| Assets per employee ($millions) | 4.8180% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.6270% | 4,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7541% | 4,943 |
| Loan loss allowance to noncurrent loans | 201.5225% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 3,496 |
| Noncurrent loans to loans | 0.3742% | 3,417 |
| Net loans and leases to total assets | 84.6240% | 381 |
| Net loans and leases to deposits | 111.1697% | 238 |
| Net loans and leases to core deposits | 122.2296% | 518 |
| Total domestic deposits to total assets | 76.1214% | 4,968 |
| Equity capital to assets | 10.6778% | 2,962 |
| Core capital (leverage) ratio | 11.0035% | 2,334 |
| Tier 1 risk-based capital ratio | 16.2982% | 2,329 |
| Total risk-based capital ratio | 17.3151% | 2,348 |
| Memoranda: | ||
| Average total assets | $868,108,000 | 859 |
| Average earning assets | $810,435,400 | 848 |
| Average equity | $94,046,200 | 873 |
| Average total loans | $741,315,000 | 709 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1639% | 2,740 |
| Cost of funding earning assets | 0.4062% | 3,121 |
| Net interest margin | 3.7577% | 2,546 |
| Noninterest income to average assets | 0.6947% | 2,027 |
| Noninterest expense to average assets | 2.8508% | 2,563 |
| Loan and lease loss provision to assets | 0.0719% | 2,639 |
| Net operating income to assets | 0.8355% | 3,357 |
| Return on assets (ROA) | 0.8428% | 3,357 |
| Pretax return on assets | 1.2908% | 2,535 |
| Return on Equity (ROE) | 7.7503% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.6947% | 1,348 |
| Net charge-offs to loans | 0.0065% | 3,498 |
| Credit loss provision to net charge-offs | 1,286.1111% | 284 |
| Earnings coverage of net charge-offs (x) | 241.7717% | 364 |
| Efficiency ratio | 67.8392% | 2,902 |
| Assets per employee ($millions) | 4.6719% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.7185% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7455% | 5,032 |
| Loan loss allowance to noncurrent loans | 210.0296% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 3,705 |
| Noncurrent loans to loans | 0.3550% | 3,681 |
| Net loans and leases to total assets | 85.5680% | 288 |
| Net loans and leases to deposits | 110.4260% | 263 |
| Net loans and leases to core deposits | 121.4550% | 537 |
| Total domestic deposits to total assets | 77.4890% | 4,806 |
| Equity capital to assets | 10.8788% | 2,978 |
| Core capital (leverage) ratio | 10.9632% | 2,490 |
| Tier 1 risk-based capital ratio | 16.2737% | 2,388 |
| Total risk-based capital ratio | 17.2733% | 2,433 |
| Memoranda: | ||
| Average total assets | $858,691,250 | 874 |
| Average earning assets | $801,538,000 | 860 |
| Average equity | $93,378,500 | 883 |
| Average total loans | $733,562,000 | 718 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 2,787 |
| Cost of funding earning assets | 0.3887% | 3,197 |
| Net interest margin | 3.7229% | 2,572 |
| Noninterest income to average assets | 0.7752% | 1,664 |
| Noninterest expense to average assets | 2.8470% | 2,593 |
| Loan and lease loss provision to assets | 0.0727% | 2,519 |
| Net operating income to assets | 0.8738% | 3,055 |
| Return on assets (ROA) | 0.8839% | 3,054 |
| Pretax return on assets | 1.3459% | 2,226 |
| Return on Equity (ROE) | 8.1289% | 2,950 |
| Retained earnings to average equity (ytd only) | 8.0445% | 1,147 |
| Net charge-offs to loans | 0.0003% | 3,509 |
| Credit loss provision to net charge-offs | 30,900.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 5,968.0000% | 3 |
| Efficiency ratio | 66.9838% | 3,184 |
| Assets per employee ($millions) | 4.9044% | 2,507 |
| Cash dividends to net income (ytd only)* | 1.0375% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7413% | 5,105 |
| Loan loss allowance to noncurrent loans | 163.7006% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 3,458 |
| Noncurrent loans to loans | 0.4528% | 3,390 |
| Net loans and leases to total assets | 83.8057% | 469 |
| Net loans and leases to deposits | 112.0444% | 226 |
| Net loans and leases to core deposits | 119.8894% | 563 |
| Total domestic deposits to total assets | 74.7969% | 5,221 |
| Equity capital to assets | 10.6238% | 3,203 |
| Core capital (leverage) ratio | 11.1221% | 2,296 |
| Tier 1 risk-based capital ratio | 16.2006% | 2,430 |
| Total risk-based capital ratio | 17.1927% | 2,470 |
| Memoranda: | ||
| Average total assets | $850,591,670 | 889 |
| Average earning assets | $793,945,000 | 876 |
| Average equity | $92,485,000 | 890 |
| Average total loans | $724,338,670 | 730 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1146% | 2,600 |
| Cost of funding earning assets | 0.3541% | 3,481 |
| Net interest margin | 3.7604% | 2,259 |
| Noninterest income to average assets | 1.0740% | 868 |
| Noninterest expense to average assets | 2.7826% | 2,848 |
| Loan and lease loss provision to assets | 0.0745% | 2,314 |
| Net operating income to assets | 1.1239% | 1,777 |
| Return on assets (ROA) | 1.1255% | 1,805 |
| Pretax return on assets | 1.7365% | 925 |
| Return on Equity (ROE) | 10.2273% | 1,859 |
| Retained earnings to average equity (ytd only) | 10.2273% | 758 |
| Net charge-offs to loans | -0.0230% | 4,817 |
| Credit loss provision to net charge-offs | -378.0488% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6073% | 4,385 |
| Assets per employee ($millions) | 4.9807% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7577% | 5,180 |
| Loan loss allowance to noncurrent loans | 180.1456% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 3,589 |
| Noncurrent loans to loans | 0.4206% | 3,584 |
| Net loans and leases to total assets | 85.2164% | 268 |
| Net loans and leases to deposits | 110.1556% | 214 |
| Net loans and leases to core deposits | 119.2988% | 479 |
| Total domestic deposits to total assets | 77.3601% | 5,060 |
| Equity capital to assets | 11.0865% | 2,548 |
| Core capital (leverage) ratio | 11.2604% | 2,136 |
| Tier 1 risk-based capital ratio | 16.6279% | 2,316 |
| Total risk-based capital ratio | 17.6422% | 2,342 |
| Memoranda: | ||
| Average total assets | $832,016,000 | 909 |
| Average earning assets | $778,213,500 | 898 |
| Average equity | $91,558,500 | 895 |
| Average total loans | $711,760,000 | 741 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 2,685 |
| Cost of funding earning assets | 0.4005% | 2,992 |
| Net interest margin | 3.7425% | 2,531 |
| Noninterest income to average assets | 0.5988% | 2,669 |
| Noninterest expense to average assets | 2.9436% | 2,518 |
| Loan and lease loss provision to assets | 0.0467% | 3,456 |
| Net operating income to assets | 0.7595% | 3,494 |
| Return on assets (ROA) | 0.7655% | 3,574 |
| Pretax return on assets | 1.1140% | 3,049 |
| Return on Equity (ROE) | 7.0115% | 3,458 |
| Retained earnings to average equity (ytd only) | 6.5140% | 1,451 |
| Net charge-offs to loans | 0.1276% | 1,969 |
| Credit loss provision to net charge-offs | 42.8734% | 3,465 |
| Earnings coverage of net charge-offs (x) | 10.5690% | 2,631 |
| Efficiency ratio | 71.8721% | 2,604 |
| Assets per employee ($millions) | 4.7004% | 2,786 |
| Cash dividends to net income (ytd only)* | 7.0953% | 4,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 5,253 |
| Loan loss allowance to noncurrent loans | 169.0722% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 3,569 |
| Noncurrent loans to loans | 0.4403% | 3,568 |
| Net loans and leases to total assets | 84.5878% | 333 |
| Net loans and leases to deposits | 105.3704% | 373 |
| Net loans and leases to core deposits | 114.0166% | 698 |
| Total domestic deposits to total assets | 80.2766% | 4,512 |
| Equity capital to assets | 10.9214% | 2,691 |
| Core capital (leverage) ratio | 11.0885% | 2,267 |
| Tier 1 risk-based capital ratio | 16.5850% | 2,311 |
| Total risk-based capital ratio | 17.5869% | 2,348 |
| Memoranda: | ||
| Average total assets | $804,606,400 | 899 |
| Average earning assets | $751,775,200 | 889 |
| Average equity | $87,841,400 | 904 |
| Average total loans | $687,299,200 | 730 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1403% | 2,718 |
| Cost of funding earning assets | 0.4180% | 2,860 |
| Net interest margin | 3.7223% | 2,631 |
| Noninterest income to average assets | 0.5627% | 2,860 |
| Noninterest expense to average assets | 2.8606% | 2,785 |
| Loan and lease loss provision to assets | 0.0783% | 2,660 |
| Net operating income to assets | 0.7323% | 3,685 |
| Return on assets (ROA) | 0.7400% | 3,776 |
| Pretax return on assets | 1.1133% | 3,172 |
| Return on Equity (ROE) | 6.7785% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.2251% | 2,050 |
| Net charge-offs to loans | 0.0761% | 2,234 |
| Credit loss provision to net charge-offs | 120.2564% | 2,084 |
| Earnings coverage of net charge-offs (x) | 18.1281% | 2,011 |
| Efficiency ratio | 70.7984% | 2,776 |
| Assets per employee ($millions) | 4.7319% | 2,697 |
| Cash dividends to net income (ytd only)* | 8.1641% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8266% | 5,111 |
| Loan loss allowance to noncurrent loans | 151.5735% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 3,531 |
| Noncurrent loans to loans | 0.5453% | 3,360 |
| Net loans and leases to total assets | 84.9258% | 333 |
| Net loans and leases to deposits | 106.3288% | 372 |
| Net loans and leases to core deposits | 115.1108% | 686 |
| Total domestic deposits to total assets | 79.8709% | 4,540 |
| Equity capital to assets | 10.8679% | 3,176 |
| Core capital (leverage) ratio | 10.8866% | 2,585 |
| Tier 1 risk-based capital ratio | 16.3862% | 2,457 |
| Total risk-based capital ratio | 17.5011% | 2,478 |
| Memoranda: | ||
| Average total assets | $798,940,000 | 906 |
| Average earning assets | $746,438,000 | 892 |
| Average equity | $87,214,250 | 911 |
| Average total loans | $682,869,250 | 731 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1277% | 2,755 |
| Cost of funding earning assets | 0.4262% | 2,767 |
| Net interest margin | 3.7015% | 2,692 |
| Noninterest income to average assets | 0.4965% | 3,219 |
| Noninterest expense to average assets | 2.8518% | 2,838 |
| Loan and lease loss provision to assets | 0.0792% | 2,560 |
| Net operating income to assets | 0.7112% | 3,738 |
| Return on assets (ROA) | 0.7112% | 3,892 |
| Pretax return on assets | 1.0230% | 3,499 |
| Return on Equity (ROE) | 6.5048% | 3,800 |
| Retained earnings to average equity (ytd only) | 5.9381% | 2,151 |
| Net charge-offs to loans | 0.1104% | 1,726 |
| Credit loss provision to net charge-offs | 83.9142% | 2,322 |
| Earnings coverage of net charge-offs (x) | 11.6836% | 2,243 |
| Efficiency ratio | 72.1249% | 2,629 |
| Assets per employee ($millions) | 4.8987% | 2,411 |
| Cash dividends to net income (ytd only)* | 8.7127% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8091% | 5,259 |
| Loan loss allowance to noncurrent loans | 147.3834% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.4779% | 3,618 |
| Noncurrent loans to loans | 0.5490% | 3,421 |
| Net loans and leases to total assets | 84.7409% | 363 |
| Net loans and leases to deposits | 108.0573% | 302 |
| Net loans and leases to core deposits | 117.6688% | 587 |
| Total domestic deposits to total assets | 78.4222% | 4,909 |
| Equity capital to assets | 10.6950% | 3,405 |
| Core capital (leverage) ratio | 10.9365% | 2,504 |
| Tier 1 risk-based capital ratio | 16.1541% | 2,568 |
| Total risk-based capital ratio | 17.2465% | 2,583 |
| Memoranda: | ||
| Average total assets | $790,806,000 | 913 |
| Average earning assets | $738,676,330 | 899 |
| Average equity | $86,459,000 | 918 |
| Average total loans | $675,473,000 | 737 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 2,797 |
| Cost of funding earning assets | 0.4265% | 2,801 |
| Net interest margin | 3.6893% | 2,713 |
| Noninterest income to average assets | 0.4637% | 3,391 |
| Noninterest expense to average assets | 2.8465% | 2,902 |
| Loan and lease loss provision to assets | 0.0816% | 2,322 |
| Net operating income to assets | 0.6759% | 3,843 |
| Return on assets (ROA) | 0.6759% | 3,961 |
| Pretax return on assets | 0.9882% | 3,522 |
| Return on Equity (ROE) | 6.1111% | 3,927 |
| Retained earnings to average equity (ytd only) | 5.0467% | 2,909 |
| Net charge-offs to loans | 0.0127% | 2,701 |
| Credit loss provision to net charge-offs | 752.3810% | 448 |
| Earnings coverage of net charge-offs (x) | 98.6667% | 545 |
| Efficiency ratio | 72.6829% | 2,696 |
| Assets per employee ($millions) | 4.6876% | 2,763 |
| Cash dividends to net income (ytd only)* | 17.4179% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 5,106 |
| Loan loss allowance to noncurrent loans | 191.4461% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4120% | 3,940 |
| Noncurrent loans to loans | 0.4627% | 3,787 |
| Net loans and leases to total assets | 85.2903% | 277 |
| Net loans and leases to deposits | 105.7479% | 350 |
| Net loans and leases to core deposits | 115.3484% | 618 |
| Total domestic deposits to total assets | 80.6544% | 4,589 |
| Equity capital to assets | 11.1073% | 2,819 |
| Core capital (leverage) ratio | 11.1904% | 2,232 |
| Tier 1 risk-based capital ratio | 16.7358% | 2,384 |
| Total risk-based capital ratio | 17.9340% | 2,349 |
| Memoranda: | ||
| Average total assets | $774,717,500 | 929 |
| Average earning assets | $725,018,500 | 913 |
| Average equity | $85,679,500 | 925 |
| Average total loans | $661,663,500 | 751 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 2,675 |
| Cost of funding earning assets | 0.5203% | 1,991 |
| Net interest margin | 3.6485% | 2,945 |
| Noninterest income to average assets | 0.7298% | 2,066 |
| Noninterest expense to average assets | 2.9624% | 2,664 |
| Loan and lease loss provision to assets | 0.1547% | 1,514 |
| Net operating income to assets | 0.6845% | 3,887 |
| Return on assets (ROA) | 0.6895% | 3,970 |
| Pretax return on assets | 1.0089% | 3,435 |
| Return on Equity (ROE) | 6.2938% | 3,907 |
| Retained earnings to average equity (ytd only) | 3.6875% | 3,426 |
| Net charge-offs to loans | 0.0495% | 3,216 |
| Credit loss provision to net charge-offs | 372.4684% | 802 |
| Earnings coverage of net charge-offs (x) | 27.8323% | 1,534 |
| Efficiency ratio | 71.9270% | 2,918 |
| Assets per employee ($millions) | 4.5639% | 2,937 |
| Cash dividends to net income (ytd only)* | 41.4109% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 5,131 |
| Loan loss allowance to noncurrent loans | 242.2241% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 4,291 |
| Noncurrent loans to loans | 0.3659% | 4,135 |
| Net loans and leases to total assets | 84.0047% | 396 |
| Net loans and leases to deposits | 102.7988% | 498 |
| Net loans and leases to core deposits | 111.8299% | 784 |
| Total domestic deposits to total assets | 81.7177% | 4,254 |
| Equity capital to assets | 11.0111% | 2,814 |
| Core capital (leverage) ratio | 11.0755% | 2,328 |
| Tier 1 risk-based capital ratio | 16.7248% | 2,385 |
| Total risk-based capital ratio | 17.9105% | 2,364 |
| Memoranda: | ||
| Average total assets | $760,668,000 | 912 |
| Average earning assets | $706,545,400 | 903 |
| Average equity | $83,336,600 | 915 |
| Average total loans | $638,335,600 | 733 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1524% | 2,740 |
| Cost of funding earning assets | 0.5391% | 1,896 |
| Net interest margin | 3.6133% | 3,105 |
| Noninterest income to average assets | 0.7407% | 2,063 |
| Noninterest expense to average assets | 2.8850% | 2,895 |
| Loan and lease loss provision to assets | 0.1740% | 1,221 |
| Net operating income to assets | 0.7043% | 3,883 |
| Return on assets (ROA) | 0.7101% | 3,965 |
| Pretax return on assets | 1.0418% | 3,446 |
| Return on Equity (ROE) | 6.4898% | 3,917 |
| Retained earnings to average equity (ytd only) | 3.0496% | 4,271 |
| Net charge-offs to loans | 0.0513% | 2,876 |
| Credit loss provision to net charge-offs | 405.3279% | 752 |
| Earnings coverage of net charge-offs (x) | 28.1307% | 1,552 |
| Efficiency ratio | 70.4977% | 3,137 |
| Assets per employee ($millions) | 4.5771% | 2,875 |
| Cash dividends to net income (ytd only)* | 53.0096% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8806% | 5,273 |
| Loan loss allowance to noncurrent loans | 325.5734% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 4,775 |
| Noncurrent loans to loans | 0.2705% | 4,606 |
| Net loans and leases to total assets | 83.6141% | 414 |
| Net loans and leases to deposits | 102.3473% | 526 |
| Net loans and leases to core deposits | 111.2587% | 801 |
| Total domestic deposits to total assets | 81.6965% | 4,257 |
| Equity capital to assets | 10.9934% | 3,037 |
| Core capital (leverage) ratio | 10.9158% | 2,577 |
| Tier 1 risk-based capital ratio | 15.0167% | 3,280 |
| Total risk-based capital ratio | 16.0638% | 3,326 |
| Memoranda: | ||
| Average total assets | $758,012,250 | 918 |
| Average earning assets | $703,124,750 | 909 |
| Average equity | $82,938,750 | 926 |
| Average total loans | $634,490,750 | 744 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1392% | 2,756 |
| Cost of funding earning assets | 0.5694% | 1,648 |
| Net interest margin | 3.5698% | 3,212 |
| Noninterest income to average assets | 0.7954% | 1,800 |
| Noninterest expense to average assets | 2.8917% | 2,923 |
| Loan and lease loss provision to assets | 0.2122% | 907 |
| Net operating income to assets | 0.6803% | 3,976 |
| Return on assets (ROA) | 0.6893% | 4,054 |
| Pretax return on assets | 1.0105% | 3,542 |
| Return on Equity (ROE) | 6.3095% | 3,982 |
| Retained earnings to average equity (ytd only) | 1.2013% | 5,079 |
| Net charge-offs to loans | 0.0609% | 2,512 |
| Credit loss provision to net charge-offs | 417.7083% | 717 |
| Earnings coverage of net charge-offs (x) | 23.8073% | 1,594 |
| Efficiency ratio | 70.5097% | 3,262 |
| Assets per employee ($millions) | 6.2841% | 1,166 |
| Cash dividends to net income (ytd only)* | 80.9597% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 5,435 |
| Loan loss allowance to noncurrent loans | 379.1382% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 5,002 |
| Noncurrent loans to loans | 0.2270% | 4,862 |
| Net loans and leases to total assets | 83.2922% | 436 |
| Net loans and leases to deposits | 102.9090% | 505 |
| Net loans and leases to core deposits | 111.9040% | 751 |
| Total domestic deposits to total assets | 80.9378% | 4,629 |
| Equity capital to assets | 10.7566% | 3,159 |
| Core capital (leverage) ratio | 10.9398% | 2,490 |
| Tier 1 risk-based capital ratio | 14.4252% | 3,681 |
| Total risk-based capital ratio | 15.4246% | 3,757 |
| Memoranda: | ||
| Average total assets | $755,888,670 | 922 |
| Average earning assets | $699,982,000 | 917 |
| Average equity | $82,574,330 | 933 |
| Average total loans | $631,051,000 | 742 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 2,700 |
| Cost of funding earning assets | 0.5973% | 1,456 |
| Net interest margin | 3.5356% | 3,281 |
| Noninterest income to average assets | 0.6444% | 2,430 |
| Noninterest expense to average assets | 2.9175% | 2,843 |
| Loan and lease loss provision to assets | 0.1295% | 1,604 |
| Net operating income to assets | 0.6125% | 4,231 |
| Return on assets (ROA) | 0.6129% | 4,317 |
| Pretax return on assets | 0.8757% | 3,981 |
| Return on Equity (ROE) | 5.5671% | 4,249 |
| Retained earnings to average equity (ytd only) | 4.4343% | 3,365 |
| Net charge-offs to loans | 0.1038% | 1,697 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 11.6358% | 1,847 |
| Efficiency ratio | 74.3851% | 2,748 |
| Assets per employee ($millions) | 6.0708% | 1,353 |
| Cash dividends to net income (ytd only)* | 20.3478% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8001% | 5,691 |
| Loan loss allowance to noncurrent loans | 340.1628% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 4,962 |
| Noncurrent loans to loans | 0.2352% | 4,931 |
| Net loans and leases to total assets | 83.2494% | 359 |
| Net loans and leases to deposits | 104.9007% | 341 |
| Net loans and leases to core deposits | 114.9786% | 548 |
| Total domestic deposits to total assets | 79.3602% | 5,199 |
| Equity capital to assets | 11.1438% | 2,815 |
| Core capital (leverage) ratio | 11.0265% | 2,390 |
| Tier 1 risk-based capital ratio | 14.8511% | 3,508 |
| Total risk-based capital ratio | 15.7800% | 3,633 |
| Memoranda: | ||
| Average total assets | $750,502,000 | 927 |
| Average earning assets | $695,774,000 | 924 |
| Average equity | $82,628,000 | 925 |
| Average total loans | $624,520,000 | 747 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2087% | 2,924 |
| Cost of funding earning assets | 0.6404% | 1,469 |
| Net interest margin | 3.5682% | 3,526 |
| Noninterest income to average assets | 0.6320% | 2,665 |
| Noninterest expense to average assets | 3.0952% | 2,530 |
| Loan and lease loss provision to assets | 0.2720% | 795 |
| Net operating income to assets | 0.4201% | 5,152 |
| Return on assets (ROA) | 0.4233% | 5,213 |
| Pretax return on assets | 0.5641% | 5,060 |
| Return on Equity (ROE) | 3.8951% | 5,159 |
| Retained earnings to average equity (ytd only) | 3.5649% | 3,689 |
| Net charge-offs to loans | 0.8655% | 381 |
| Credit loss provision to net charge-offs | 37.8024% | 3,716 |
| Earnings coverage of net charge-offs (x) | 1.1562% | 4,489 |
| Efficiency ratio | 78.8190% | 2,088 |
| Assets per employee ($millions) | 4.1218% | 3,679 |
| Cash dividends to net income (ytd only)* | 8.4767% | 4,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7926% | 5,794 |
| Loan loss allowance to noncurrent loans | 241.5769% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 4,797 |
| Noncurrent loans to loans | 0.3281% | 4,663 |
| Net loans and leases to total assets | 81.8595% | 534 |
| Net loans and leases to deposits | 108.4721% | 283 |
| Net loans and leases to core deposits | 119.4572% | 424 |
| Total domestic deposits to total assets | 75.4660% | 5,806 |
| Equity capital to assets | 10.8770% | 3,037 |
| Core capital (leverage) ratio | 10.8901% | 2,503 |
| Tier 1 risk-based capital ratio | 15.6454% | 3,159 |
| Total risk-based capital ratio | 16.6146% | 3,236 |
| Memoranda: | ||
| Average total assets | $741,302,000 | 911 |
| Average earning assets | $684,539,800 | 897 |
| Average equity | $80,563,000 | 914 |
| Average total loans | $616,173,400 | 710 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 2,933 |
| Cost of funding earning assets | 0.6432% | 1,502 |
| Net interest margin | 3.5736% | 3,538 |
| Noninterest income to average assets | 0.6272% | 2,703 |
| Noninterest expense to average assets | 3.0149% | 2,758 |
| Loan and lease loss provision to assets | 0.1261% | 1,984 |
| Net operating income to assets | 0.5546% | 4,655 |
| Return on assets (ROA) | 0.5588% | 4,712 |
| Pretax return on assets | 0.7903% | 4,392 |
| Return on Equity (ROE) | 5.1425% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.7002% | 3,286 |
| Net charge-offs to loans | 0.7528% | 448 |
| Credit loss provision to net charge-offs | 20.1153% | 3,578 |
| Earnings coverage of net charge-offs (x) | 1.4527% | 4,151 |
| Efficiency ratio | 76.8017% | 2,373 |
| Assets per employee ($millions) | 4.1832% | 3,522 |
| Cash dividends to net income (ytd only)* | 8.6001% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 5,685 |
| Loan loss allowance to noncurrent loans | 89.1166% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 0.8524% | 3,285 |
| Noncurrent loans to loans | 0.9779% | 3,114 |
| Net loans and leases to total assets | 83.2148% | 385 |
| Net loans and leases to deposits | 108.7432% | 249 |
| Net loans and leases to core deposits | 119.5362% | 408 |
| Total domestic deposits to total assets | 76.5242% | 5,752 |
| Equity capital to assets | 10.9228% | 3,039 |
| Core capital (leverage) ratio | 10.7645% | 2,735 |
| Tier 1 risk-based capital ratio | 15.3941% | 3,374 |
| Total risk-based capital ratio | 16.4508% | 3,416 |
| Memoranda: | ||
| Average total assets | $738,054,500 | 923 |
| Average earning assets | $681,204,500 | 908 |
| Average equity | $80,192,750 | 915 |
| Average total loans | $614,618,500 | 708 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2178% | 2,886 |
| Cost of funding earning assets | 0.6301% | 1,646 |
| Net interest margin | 3.5877% | 3,416 |
| Noninterest income to average assets | 0.5650% | 3,014 |
| Noninterest expense to average assets | 3.0011% | 2,822 |
| Loan and lease loss provision to assets | 0.1266% | 1,950 |
| Net operating income to assets | 0.5344% | 4,674 |
| Return on assets (ROA) | 0.5353% | 4,765 |
| Pretax return on assets | 0.7475% | 4,469 |
| Return on Equity (ROE) | 4.9359% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.3233% | 3,419 |
| Net charge-offs to loans | 1.1263% | 284 |
| Credit loss provision to net charge-offs | 13.5371% | 3,272 |
| Earnings coverage of net charge-offs (x) | 0.9330% | 3,931 |
| Efficiency ratio | 77.4708% | 2,380 |
| Assets per employee ($millions) | 4.1485% | 3,548 |
| Cash dividends to net income (ytd only)* | 12.4110% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 5,874 |
| Loan loss allowance to noncurrent loans | 104.6166% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.6840% | 3,942 |
| Noncurrent loans to loans | 0.8118% | 3,682 |
| Net loans and leases to total assets | 80.7526% | 596 |
| Net loans and leases to deposits | 106.9729% | 271 |
| Net loans and leases to core deposits | 117.3180% | 447 |
| Total domestic deposits to total assets | 75.4888% | 5,970 |
| Equity capital to assets | 10.5940% | 3,323 |
| Core capital (leverage) ratio | 11.0671% | 2,361 |
| Tier 1 risk-based capital ratio | 15.3513% | 3,438 |
| Total risk-based capital ratio | 16.3818% | 3,511 |
| Memoranda: | ||
| Average total assets | $734,475,670 | 927 |
| Average earning assets | $677,374,000 | 913 |
| Average equity | $79,660,670 | 914 |
| Average total loans | $609,963,670 | 711 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 2,546 |
| Cost of funding earning assets | 0.6300% | 1,734 |
| Net interest margin | 3.6645% | 3,003 |
| Noninterest income to average assets | 0.5994% | 2,737 |
| Noninterest expense to average assets | 3.0487% | 2,702 |
| Loan and lease loss provision to assets | 0.1294% | 1,875 |
| Net operating income to assets | 0.5767% | 4,312 |
| Return on assets (ROA) | 0.5755% | 4,391 |
| Pretax return on assets | 0.8060% | 4,082 |
| Return on Equity (ROE) | 5.2417% | 4,427 |
| Retained earnings to average equity (ytd only) | 4.0780% | 3,671 |
| Net charge-offs to loans | 2.1811% | 111 |
| Credit loss provision to net charge-offs | 7.0735% | 2,634 |
| Earnings coverage of net charge-offs (x) | 0.5121% | 3,329 |
| Efficiency ratio | 76.4878% | 2,727 |
| Assets per employee ($millions) | 4.0974% | 3,723 |
| Cash dividends to net income (ytd only)* | 22.2008% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8553% | 5,990 |
| Loan loss allowance to noncurrent loans | 84.6769% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.8954% | 3,500 |
| Noncurrent loans to loans | 1.0101% | 3,400 |
| Net loans and leases to total assets | 82.9366% | 297 |
| Net loans and leases to deposits | 112.4653% | 116 |
| Net loans and leases to core deposits | 119.5663% | 333 |
| Total domestic deposits to total assets | 73.7442% | 6,263 |
| Equity capital to assets | 10.9718% | 2,740 |
| Core capital (leverage) ratio | 11.1064% | 2,295 |
| Tier 1 risk-based capital ratio | 15.3709% | 3,513 |
| Total risk-based capital ratio | 16.3970% | 3,590 |
| Memoranda: | ||
| Average total assets | $720,055,000 | 945 |
| Average earning assets | $665,406,500 | 933 |
| Average equity | $79,058,000 | 926 |
| Average total loans | $604,106,500 | 718 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3355% | 2,820 |
| Cost of funding earning assets | 0.6941% | 1,863 |
| Net interest margin | 3.6414% | 3,278 |
| Noninterest income to average assets | 0.9614% | 1,487 |
| Noninterest expense to average assets | 3.0888% | 2,769 |
| Loan and lease loss provision to assets | 0.4505% | 639 |
| Net operating income to assets | 0.5724% | 4,399 |
| Return on assets (ROA) | 0.5724% | 4,507 |
| Pretax return on assets | 0.7681% | 4,270 |
| Return on Equity (ROE) | 5.1496% | 4,562 |
| Retained earnings to average equity (ytd only) | 4.0949% | 3,269 |
| Net charge-offs to loans | 0.3787% | 1,774 |
| Credit loss provision to net charge-offs | 146.6106% | 1,588 |
| Earnings coverage of net charge-offs (x) | 3.9654% | 3,711 |
| Efficiency ratio | 71.7087% | 3,534 |
| Assets per employee ($millions) | 3.9937% | 3,878 |
| Cash dividends to net income (ytd only)* | 20.4819% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 3,788 |
| Loan loss allowance to noncurrent loans | 69.8501% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 1.6624% | 2,223 |
| Noncurrent loans to loans | 1.9635% | 2,029 |
| Net loans and leases to total assets | 82.9919% | 328 |
| Net loans and leases to deposits | 110.5571% | 168 |
| Net loans and leases to core deposits | 117.2168% | 391 |
| Total domestic deposits to total assets | 75.0670% | 6,189 |
| Equity capital to assets | 10.9871% | 2,622 |
| Core capital (leverage) ratio | 11.0614% | 2,332 |
| Tier 1 risk-based capital ratio | 15.1058% | 3,608 |
| Total risk-based capital ratio | 16.3602% | 3,550 |
| Memoranda: | ||
| Average total assets | $696,038,800 | 949 |
| Average earning assets | $639,554,600 | 949 |
| Average equity | $77,364,600 | 919 |
| Average total loans | $564,859,400 | 745 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 2,839 |
| Cost of funding earning assets | 0.7050% | 1,919 |
| Net interest margin | 3.6332% | 3,307 |
| Noninterest income to average assets | 1.0289% | 1,376 |
| Noninterest expense to average assets | 3.0445% | 2,841 |
| Loan and lease loss provision to assets | 0.3346% | 984 |
| Net operating income to assets | 0.7107% | 3,803 |
| Return on assets (ROA) | 0.7107% | 3,933 |
| Pretax return on assets | 0.9824% | 3,575 |
| Return on Equity (ROE) | 6.3750% | 3,992 |
| Retained earnings to average equity (ytd only) | 4.9945% | 3,091 |
| Net charge-offs to loans | 0.4835% | 1,326 |
| Credit loss provision to net charge-offs | 86.1042% | 2,711 |
| Earnings coverage of net charge-offs (x) | 3.3891% | 3,715 |
| Efficiency ratio | 69.8032% | 3,785 |
| Assets per employee ($millions) | 3.9817% | 3,873 |
| Cash dividends to net income (ytd only)* | 21.6553% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 4,905 |
| Loan loss allowance to noncurrent loans | 55.0181% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 1.8190% | 2,249 |
| Noncurrent loans to loans | 2.1647% | 2,044 |
| Net loans and leases to total assets | 82.5511% | 327 |
| Net loans and leases to deposits | 108.2659% | 184 |
| Net loans and leases to core deposits | 114.8208% | 428 |
| Total domestic deposits to total assets | 76.2485% | 6,144 |
| Equity capital to assets | 11.2106% | 2,554 |
| Core capital (leverage) ratio | 11.1985% | 2,309 |
| Tier 1 risk-based capital ratio | 15.6496% | 3,372 |
| Total risk-based capital ratio | 16.9015% | 3,330 |
| Memoranda: | ||
| Average total assets | $691,330,500 | 966 |
| Average earning assets | $634,138,000 | 961 |
| Average equity | $77,069,750 | 937 |
| Average total loans | $555,690,250 | 754 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 2,847 |
| Cost of funding earning assets | 0.7211% | 1,915 |
| Net interest margin | 3.6053% | 3,333 |
| Noninterest income to average assets | 0.7733% | 2,306 |
| Noninterest expense to average assets | 2.9908% | 3,029 |
| Loan and lease loss provision to assets | 0.3301% | 1,042 |
| Net operating income to assets | 0.5580% | 4,512 |
| Return on assets (ROA) | 0.5580% | 4,684 |
| Pretax return on assets | 0.7495% | 4,504 |
| Return on Equity (ROE) | 5.0149% | 4,724 |
| Retained earnings to average equity (ytd only) | 3.0037% | 4,408 |
| Net charge-offs to loans | 0.6186% | 1,071 |
| Credit loss provision to net charge-offs | 67.2986% | 2,885 |
| Earnings coverage of net charge-offs (x) | 2.2008% | 3,795 |
| Efficiency ratio | 73.4757% | 3,230 |
| Assets per employee ($millions) | 3.7884% | 4,238 |
| Cash dividends to net income (ytd only)* | 40.1042% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 5,107 |
| Loan loss allowance to noncurrent loans | 49.6628% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 1.9204% | 2,260 |
| Noncurrent loans to loans | 2.3730% | 1,991 |
| Net loans and leases to total assets | 78.8945% | 650 |
| Net loans and leases to deposits | 101.4896% | 354 |
| Net loans and leases to core deposits | 107.6827% | 655 |
| Total domestic deposits to total assets | 77.7365% | 6,022 |
| Equity capital to assets | 10.7878% | 2,956 |
| Core capital (leverage) ratio | 11.0713% | 2,290 |
| Tier 1 risk-based capital ratio | 15.1716% | 3,663 |
| Total risk-based capital ratio | 16.4233% | 3,633 |
| Memoranda: | ||
| Average total assets | $688,179,000 | 968 |
| Average earning assets | $629,351,000 | 974 |
| Average equity | $76,572,330 | 946 |
| Average total loans | $545,760,670 | 764 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3858% | 2,574 |
| Cost of funding earning assets | 0.7491% | 1,856 |
| Net interest margin | 3.6367% | 3,119 |
| Noninterest income to average assets | 0.7614% | 2,288 |
| Noninterest expense to average assets | 2.9585% | 3,128 |
| Loan and lease loss provision to assets | 0.3177% | 1,066 |
| Net operating income to assets | 0.6028% | 4,198 |
| Return on assets (ROA) | 0.6028% | 4,356 |
| Pretax return on assets | 0.8110% | 4,130 |
| Return on Equity (ROE) | 5.3321% | 4,384 |
| Retained earnings to average equity (ytd only) | 1.4076% | 5,275 |
| Net charge-offs to loans | 0.0434% | 3,425 |
| Credit loss provision to net charge-offs | 925.8621% | 336 |
| Earnings coverage of net charge-offs (x) | 32.8966% | 918 |
| Efficiency ratio | 72.3838% | 3,542 |
| Assets per employee ($millions) | 3.7132% | 4,525 |
| Cash dividends to net income (ytd only)* | 73.6016% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 4,128 |
| Loan loss allowance to noncurrent loans | 63.8639% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.8953% | 2,481 |
| Noncurrent loans to loans | 2.2244% | 2,359 |
| Net loans and leases to total assets | 79.8343% | 439 |
| Net loans and leases to deposits | 101.2070% | 307 |
| Net loans and leases to core deposits | 107.6539% | 572 |
| Total domestic deposits to total assets | 78.8822% | 5,983 |
| Equity capital to assets | 11.3996% | 2,519 |
| Core capital (leverage) ratio | 10.9825% | 2,280 |
| Tier 1 risk-based capital ratio | 15.4542% | 3,556 |
| Total risk-based capital ratio | 16.7091% | 3,513 |
| Memoranda: | ||
| Average total assets | $676,163,000 | 995 |
| Average earning assets | $618,364,500 | 1,007 |
| Average equity | $76,442,500 | 957 |
| Average total loans | $534,343,000 | 784 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 2,612 |
| Cost of funding earning assets | 0.8843% | 2,039 |
| Net interest margin | 3.8116% | 3,173 |
| Noninterest income to average assets | 0.9903% | 1,559 |
| Noninterest expense to average assets | 3.2942% | 2,357 |
| Loan and lease loss provision to assets | 0.7225% | 705 |
| Net operating income to assets | 0.3590% | 5,257 |
| Return on assets (ROA) | 0.4226% | 5,255 |
| Pretax return on assets | 0.5372% | 5,174 |
| Return on Equity (ROE) | 3.8077% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.8077% | 3,530 |
| Net charge-offs to loans | 0.4264% | 2,530 |
| Credit loss provision to net charge-offs | 219.7581% | 1,143 |
| Earnings coverage of net charge-offs (x) | 3.5865% | 3,670 |
| Efficiency ratio | 73.6409% | 3,126 |
| Assets per employee ($millions) | 3.8002% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 4,250 |
| Loan loss allowance to noncurrent loans | 59.2420% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.8480% | 2,642 |
| Noncurrent loans to loans | 2.3347% | 2,302 |
| Net loans and leases to total assets | 76.0240% | 909 |
| Net loans and leases to deposits | 97.4190% | 538 |
| Net loans and leases to core deposits | 103.7917% | 801 |
| Total domestic deposits to total assets | 78.0381% | 6,071 |
| Equity capital to assets | 11.2122% | 2,719 |
| Core capital (leverage) ratio | 10.9692% | 2,285 |
| Tier 1 risk-based capital ratio | 15.6133% | 3,371 |
| Total risk-based capital ratio | 16.8671% | 3,327 |
| Memoranda: | ||
| Average total assets | $678,887,400 | 964 |
| Average earning assets | $620,363,000 | 967 |
| Average equity | $75,347,200 | 941 |
| Average total loans | $523,497,800 | 789 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7861% | 2,439 |
| Cost of funding earning assets | 0.8966% | 2,194 |
| Net interest margin | 3.8895% | 2,950 |
| Noninterest income to average assets | 0.9190% | 1,767 |
| Noninterest expense to average assets | 3.2425% | 2,444 |
| Loan and lease loss provision to assets | 0.7455% | 670 |
| Net operating income to assets | 0.4110% | 5,203 |
| Return on assets (ROA) | 0.4118% | 5,431 |
| Pretax return on assets | 0.4855% | 5,504 |
| Return on Equity (ROE) | 3.7203% | 5,395 |
| Retained earnings to average equity (ytd only) | 3.7203% | 4,268 |
| Net charge-offs to loans | 0.3682% | 2,630 |
| Credit loss provision to net charge-offs | 262.5606% | 1,051 |
| Earnings coverage of net charge-offs (x) | 4.3322% | 3,332 |
| Efficiency ratio | 72.4980% | 3,230 |
| Assets per employee ($millions) | 3.6729% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 4,764 |
| Loan loss allowance to noncurrent loans | 180.7251% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.5949% | 5,183 |
| Noncurrent loans to loans | 0.7259% | 4,976 |
| Net loans and leases to total assets | 76.7160% | 875 |
| Net loans and leases to deposits | 99.1554% | 488 |
| Net loans and leases to core deposits | 106.2747% | 723 |
| Total domestic deposits to total assets | 77.3694% | 6,184 |
| Equity capital to assets | 11.1897% | 3,048 |
| Core capital (leverage) ratio | 10.5934% | 2,806 |
| Tier 1 risk-based capital ratio | 15.5518% | 3,504 |
| Total risk-based capital ratio | 16.8050% | 3,465 |
| Memoranda: | ||
| Average total assets | $678,550,750 | 974 |
| Average earning assets | $619,947,750 | 975 |
| Average equity | $75,116,750 | 941 |
| Average total loans | $523,273,750 | 793 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8241% | 2,413 |
| Cost of funding earning assets | 0.9032% | 2,373 |
| Net interest margin | 3.9209% | 2,827 |
| Noninterest income to average assets | 0.8590% | 1,936 |
| Noninterest expense to average assets | 3.2543% | 2,426 |
| Loan and lease loss provision to assets | 0.3603% | 1,835 |
| Net operating income to assets | 0.6170% | 4,299 |
| Return on assets (ROA) | 0.6172% | 4,543 |
| Pretax return on assets | 0.8277% | 4,368 |
| Return on Equity (ROE) | 5.5954% | 4,531 |
| Retained earnings to average equity (ytd only) | 5.5954% | 2,936 |
| Net charge-offs to loans | 0.2254% | 3,227 |
| Credit loss provision to net charge-offs | 207.8231% | 1,362 |
| Earnings coverage of net charge-offs (x) | 6.8503% | 2,570 |
| Efficiency ratio | 73.2608% | 3,200 |
| Assets per employee ($millions) | 3.7074% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 6,226 |
| Loan loss allowance to noncurrent loans | 128.1711% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 5,164 |
| Noncurrent loans to loans | 0.7656% | 4,976 |
| Net loans and leases to total assets | 76.2963% | 932 |
| Net loans and leases to deposits | 98.9383% | 473 |
| Net loans and leases to core deposits | 105.4699% | 771 |
| Total domestic deposits to total assets | 77.1151% | 6,309 |
| Equity capital to assets | 10.9977% | 3,120 |
| Core capital (leverage) ratio | 10.8700% | 2,423 |
| Tier 1 risk-based capital ratio | 15.3874% | 3,511 |
| Total risk-based capital ratio | 16.5189% | 3,558 |
| Memoranda: | ||
| Average total assets | $678,240,000 | 970 |
| Average earning assets | $619,807,000 | 974 |
| Average equity | $74,811,670 | 937 |
| Average total loans | $521,631,330 | 792 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8632% | 2,384 |
| Cost of funding earning assets | 0.9183% | 2,536 |
| Net interest margin | 3.9450% | 2,746 |
| Noninterest income to average assets | 0.8213% | 2,059 |
| Noninterest expense to average assets | 3.3079% | 2,259 |
| Loan and lease loss provision to assets | 0.2742% | 2,272 |
| Net operating income to assets | 0.6364% | 4,189 |
| Return on assets (ROA) | 0.6364% | 4,403 |
| Pretax return on assets | 0.8546% | 4,212 |
| Return on Equity (ROE) | 5.7605% | 4,420 |
| Retained earnings to average equity (ytd only) | 5.7605% | 3,106 |
| Net charge-offs to loans | 0.2655% | 2,605 |
| Credit loss provision to net charge-offs | 134.4023% | 1,824 |
| Earnings coverage of net charge-offs (x) | 5.5335% | 2,349 |
| Efficiency ratio | 74.5576% | 3,012 |
| Assets per employee ($millions) | 3.6738% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 6,548 |
| Loan loss allowance to noncurrent loans | 164.9000% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 5,748 |
| Noncurrent loans to loans | 0.5425% | 5,574 |
| Net loans and leases to total assets | 76.9947% | 699 |
| Net loans and leases to deposits | 101.8636% | 313 |
| Net loans and leases to core deposits | 109.1169% | 564 |
| Total domestic deposits to total assets | 75.5861% | 6,585 |
| Equity capital to assets | 11.0520% | 2,845 |
| Core capital (leverage) ratio | 10.7458% | 2,501 |
| Tier 1 risk-based capital ratio | 15.1782% | 3,637 |
| Total risk-based capital ratio | 16.2008% | 3,747 |
| Memoranda: | ||
| Average total assets | $672,570,000 | 980 |
| Average earning assets | $616,378,000 | 972 |
| Average equity | $74,298,500 | 937 |
| Average total loans | $516,778,000 | 802 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1637% | 2,210 |
| Cost of funding earning assets | 0.9662% | 3,604 |
| Net interest margin | 4.1975% | 2,066 |
| Noninterest income to average assets | 0.8645% | 1,786 |
| Noninterest expense to average assets | 3.5947% | 1,756 |
| Loan and lease loss provision to assets | 0.2777% | 3,444 |
| Net operating income to assets | 0.6119% | 3,937 |
| Return on assets (ROA) | 0.6481% | 3,941 |
| Pretax return on assets | 0.8760% | 3,688 |
| Return on Equity (ROE) | 5.7912% | 3,976 |
| Retained earnings to average equity (ytd only) | 5.7912% | 2,130 |
| Net charge-offs to loans | 0.3015% | 3,890 |
| Credit loss provision to net charge-offs | 118.4768% | 2,708 |
| Earnings coverage of net charge-offs (x) | 4.7132% | 3,009 |
| Efficiency ratio | 76.4914% | 2,824 |
| Assets per employee ($millions) | 3.5219% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 6,531 |
| Loan loss allowance to noncurrent loans | 230.8468% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 6,103 |
| Noncurrent loans to loans | 0.3903% | 5,930 |
| Net loans and leases to total assets | 75.2898% | 1,053 |
| Net loans and leases to deposits | 98.0940% | 556 |
| Net loans and leases to core deposits | 104.3152% | 882 |
| Total domestic deposits to total assets | 76.7526% | 6,371 |
| Equity capital to assets | 11.0419% | 2,942 |
| Core capital (leverage) ratio | 10.8350% | 2,405 |
| Tier 1 risk-based capital ratio | 15.0648% | 3,598 |
| Total risk-based capital ratio | 16.0699% | 3,729 |
| Memoranda: | ||
| Average total assets | $644,199,000 | 1,007 |
| Average earning assets | $588,565,000 | 1,005 |
| Average equity | $72,091,800 | 936 |
| Average total loans | $500,762,400 | 835 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2079% | 2,181 |
| Cost of funding earning assets | 0.9675% | 3,911 |
| Net interest margin | 4.2404% | 1,945 |
| Noninterest income to average assets | 0.8370% | 1,891 |
| Noninterest expense to average assets | 3.4194% | 2,143 |
| Loan and lease loss provision to assets | 0.2483% | 3,520 |
| Net operating income to assets | 0.7203% | 3,504 |
| Return on assets (ROA) | 0.7643% | 3,484 |
| Pretax return on assets | 1.1060% | 2,985 |
| Return on Equity (ROE) | 6.8058% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.8058% | 2,077 |
| Net charge-offs to loans | 0.2868% | 3,654 |
| Credit loss provision to net charge-offs | 110.7176% | 2,977 |
| Earnings coverage of net charge-offs (x) | 5.7549% | 2,703 |
| Efficiency ratio | 72.5994% | 3,439 |
| Assets per employee ($millions) | 3.4463% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8707% | 6,678 |
| Loan loss allowance to noncurrent loans | 154.3516% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.5114% | 5,807 |
| Noncurrent loans to loans | 0.5641% | 5,740 |
| Net loans and leases to total assets | 77.1912% | 818 |
| Net loans and leases to deposits | 100.3319% | 458 |
| Net loans and leases to core deposits | 106.8540% | 819 |
| Total domestic deposits to total assets | 76.9358% | 6,382 |
| Equity capital to assets | 11.2969% | 2,867 |
| Core capital (leverage) ratio | 10.7948% | 2,577 |
| Tier 1 risk-based capital ratio | 15.0457% | 3,636 |
| Total risk-based capital ratio | 16.0213% | 3,769 |
| Memoranda: | ||
| Average total assets | $637,958,750 | 1,023 |
| Average earning assets | $582,667,500 | 1,017 |
| Average equity | $71,642,750 | 948 |
| Average total loans | $498,855,750 | 850 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2355% | 2,121 |
| Cost of funding earning assets | 0.9613% | 4,242 |
| Net interest margin | 4.2742% | 1,753 |
| Noninterest income to average assets | 0.8464% | 1,818 |
| Noninterest expense to average assets | 3.4917% | 2,002 |
| Loan and lease loss provision to assets | 0.2500% | 3,406 |
| Net operating income to assets | 0.7034% | 3,530 |
| Return on assets (ROA) | 0.7034% | 3,634 |
| Pretax return on assets | 1.0084% | 3,209 |
| Return on Equity (ROE) | 6.2764% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.2764% | 2,258 |
| Net charge-offs to loans | 0.1988% | 3,957 |
| Credit loss provision to net charge-offs | 160.6491% | 1,888 |
| Earnings coverage of net charge-offs (x) | 8.0852% | 2,119 |
| Efficiency ratio | 73.5079% | 3,464 |
| Assets per employee ($millions) | 3.3606% | 5,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 6,625 |
| Loan loss allowance to noncurrent loans | 179.8280% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.5031% | 5,909 |
| Noncurrent loans to loans | 0.5072% | 5,887 |
| Net loans and leases to total assets | 77.0414% | 910 |
| Net loans and leases to deposits | 101.7601% | 409 |
| Net loans and leases to core deposits | 106.7695% | 882 |
| Total domestic deposits to total assets | 75.7089% | 6,643 |
| Equity capital to assets | 11.1608% | 2,801 |
| Core capital (leverage) ratio | 10.9111% | 2,328 |
| Tier 1 risk-based capital ratio | 14.9949% | 3,499 |
| Total risk-based capital ratio | 16.0258% | 3,598 |
| Memoranda: | ||
| Average total assets | $633,497,000 | 1,039 |
| Average earning assets | $578,592,670 | 1,036 |
| Average equity | $70,996,330 | 959 |
| Average total loans | $496,075,670 | 872 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2620% | 2,002 |
| Cost of funding earning assets | 0.9821% | 4,335 |
| Net interest margin | 4.2799% | 1,625 |
| Noninterest income to average assets | 0.8831% | 1,721 |
| Noninterest expense to average assets | 3.5556% | 1,863 |
| Loan and lease loss provision to assets | 0.2531% | 3,128 |
| Net operating income to assets | 0.6985% | 3,519 |
| Return on assets (ROA) | 0.6985% | 3,585 |
| Pretax return on assets | 0.9816% | 3,200 |
| Return on Equity (ROE) | 6.2191% | 3,773 |
| Retained earnings to average equity (ytd only) | 6.2191% | 2,513 |
| Net charge-offs to loans | 0.1480% | 3,600 |
| Credit loss provision to net charge-offs | 217.5824% | 1,387 |
| Earnings coverage of net charge-offs (x) | 10.6154% | 1,621 |
| Efficiency ratio | 74.2263% | 3,477 |
| Assets per employee ($millions) | 3.2987% | 5,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 6,693 |
| Loan loss allowance to noncurrent loans | 144.2492% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6134% | 5,743 |
| Noncurrent loans to loans | 0.6257% | 5,784 |
| Net loans and leases to total assets | 78.6822% | 657 |
| Net loans and leases to deposits | 103.7117% | 321 |
| Net loans and leases to core deposits | 109.0236% | 785 |
| Total domestic deposits to total assets | 75.8662% | 6,688 |
| Equity capital to assets | 11.2535% | 2,458 |
| Core capital (leverage) ratio | 10.8716% | 2,295 |
| Tier 1 risk-based capital ratio | 14.7400% | 3,586 |
| Total risk-based capital ratio | 15.7519% | 3,698 |
| Memoranda: | ||
| Average total assets | $625,944,000 | 1,064 |
| Average earning assets | $571,412,500 | 1,065 |
| Average equity | $70,300,000 | 958 |
| Average total loans | $491,967,000 | 893 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4537% | 2,465 |
| Cost of funding earning assets | 1.0940% | 5,160 |
| Net interest margin | 4.3596% | 1,621 |
| Noninterest income to average assets | 0.8927% | 1,876 |
| Noninterest expense to average assets | 3.7713% | 1,540 |
| Loan and lease loss provision to assets | 0.3346% | 4,144 |
| Net operating income to assets | 0.5696% | 3,803 |
| Return on assets (ROA) | 0.7125% | 3,313 |
| Pretax return on assets | 0.9567% | 3,081 |
| Return on Equity (ROE) | 6.3324% | 3,431 |
| Retained earnings to average equity (ytd only) | 6.3324% | 1,648 |
| Net charge-offs to loans | 0.5558% | 3,396 |
| Credit loss provision to net charge-offs | 78.4586% | 5,614 |
| Earnings coverage of net charge-offs (x) | 2.5753% | 3,822 |
| Efficiency ratio | 77.4482% | 2,798 |
| Assets per employee ($millions) | 3.2053% | 5,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 6,754 |
| Loan loss allowance to noncurrent loans | 125.8706% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.6946% | 5,615 |
| Noncurrent loans to loans | 0.7065% | 5,634 |
| Net loans and leases to total assets | 77.0910% | 1,075 |
| Net loans and leases to deposits | 100.2566% | 559 |
| Net loans and leases to core deposits | 105.9245% | 1,198 |
| Total domestic deposits to total assets | 76.8936% | 6,496 |
| Equity capital to assets | 11.2083% | 2,496 |
| Core capital (leverage) ratio | 10.6663% | 2,401 |
| Tier 1 risk-based capital ratio | 14.9067% | 3,304 |
| Total risk-based capital ratio | 15.8992% | 3,415 |
| Memoranda: | ||
| Average total assets | $608,575,800 | 1,095 |
| Average earning assets | $555,114,400 | 1,094 |
| Average equity | $68,472,800 | 980 |
| Average total loans | $466,934,400 | 968 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5000% | 2,432 |
| Cost of funding earning assets | 1.1034% | 5,397 |
| Net interest margin | 4.3966% | 1,536 |
| Noninterest income to average assets | 0.8056% | 2,206 |
| Noninterest expense to average assets | 3.4708% | 2,112 |
| Loan and lease loss provision to assets | 0.2518% | 4,574 |
| Net operating income to assets | 0.7618% | 3,172 |
| Return on assets (ROA) | 0.9404% | 2,581 |
| Pretax return on assets | 1.3532% | 2,025 |
| Return on Equity (ROE) | 8.3499% | 2,772 |
| Retained earnings to average equity (ytd only) | 8.3499% | 1,293 |
| Net charge-offs to loans | 0.5451% | 3,119 |
| Credit loss provision to net charge-offs | 60.4123% | 5,680 |
| Earnings coverage of net charge-offs (x) | 3.2299% | 3,532 |
| Efficiency ratio | 72.0538% | 3,686 |
| Assets per employee ($millions) | 3.2520% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 6,848 |
| Loan loss allowance to noncurrent loans | 95.8275% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.7965% | 5,502 |
| Noncurrent loans to loans | 0.9046% | 5,437 |
| Net loans and leases to total assets | 75.2976% | 1,533 |
| Net loans and leases to deposits | 97.1844% | 866 |
| Net loans and leases to core deposits | 102.3933% | 1,619 |
| Total domestic deposits to total assets | 77.4791% | 6,374 |
| Equity capital to assets | 11.2151% | 2,762 |
| Core capital (leverage) ratio | 10.7856% | 2,425 |
| Tier 1 risk-based capital ratio | 15.2333% | 3,136 |
| Total risk-based capital ratio | 16.2051% | 3,259 |
| Memoranda: | ||
| Average total assets | $605,261,500 | 1,110 |
| Average earning assets | $552,232,500 | 1,101 |
| Average equity | $68,166,750 | 981 |
| Average total loans | $462,748,500 | 983 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5572% | 2,301 |
| Cost of funding earning assets | 1.1133% | 5,608 |
| Net interest margin | 4.4439% | 1,336 |
| Noninterest income to average assets | 0.8028% | 2,100 |
| Noninterest expense to average assets | 3.4825% | 2,068 |
| Loan and lease loss provision to assets | 0.2822% | 4,146 |
| Net operating income to assets | 0.7785% | 3,074 |
| Return on assets (ROA) | 0.7968% | 3,133 |
| Pretax return on assets | 1.1144% | 2,732 |
| Return on Equity (ROE) | 7.0647% | 3,272 |
| Retained earnings to average equity (ytd only) | 7.0647% | 1,804 |
| Net charge-offs to loans | 0.5038% | 3,020 |
| Credit loss provision to net charge-offs | 73.0969% | 4,889 |
| Earnings coverage of net charge-offs (x) | 3.5519% | 3,275 |
| Efficiency ratio | 71.7490% | 3,858 |
| Assets per employee ($millions) | 3.1431% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 6,487 |
| Loan loss allowance to noncurrent loans | 99.2581% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 5,313 |
| Noncurrent loans to loans | 0.9866% | 5,331 |
| Net loans and leases to total assets | 75.8226% | 1,523 |
| Net loans and leases to deposits | 98.1975% | 856 |
| Net loans and leases to core deposits | 102.9459% | 1,740 |
| Total domestic deposits to total assets | 77.2144% | 6,446 |
| Equity capital to assets | 11.3559% | 2,552 |
| Core capital (leverage) ratio | 11.0423% | 2,206 |
| Tier 1 risk-based capital ratio | 15.1680% | 3,074 |
| Total risk-based capital ratio | 16.2501% | 3,121 |
| Memoranda: | ||
| Average total assets | $598,885,670 | 1,132 |
| Average earning assets | $545,921,000 | 1,121 |
| Average equity | $67,547,000 | 985 |
| Average total loans | $458,911,000 | 999 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6377% | 1,994 |
| Cost of funding earning assets | 1.1368% | 5,721 |
| Net interest margin | 4.5009% | 1,143 |
| Noninterest income to average assets | 0.8605% | 1,767 |
| Noninterest expense to average assets | 3.4123% | 2,198 |
| Loan and lease loss provision to assets | 0.1627% | 4,901 |
| Net operating income to assets | 0.9633% | 2,321 |
| Return on assets (ROA) | 0.9633% | 2,383 |
| Pretax return on assets | 1.3922% | 1,797 |
| Return on Equity (ROE) | 8.5710% | 2,640 |
| Retained earnings to average equity (ytd only) | 8.5710% | 1,517 |
| Net charge-offs to loans | 0.1956% | 3,738 |
| Credit loss provision to net charge-offs | 108.5202% | 3,171 |
| Earnings coverage of net charge-offs (x) | 10.3722% | 1,751 |
| Efficiency ratio | 68.6967% | 4,575 |
| Assets per employee ($millions) | 3.0635% | 6,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 6,115 |
| Loan loss allowance to noncurrent loans | 79.5143% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.3110% | 4,572 |
| Noncurrent loans to loans | 1.3542% | 4,710 |
| Net loans and leases to total assets | 76.2077% | 1,496 |
| Net loans and leases to deposits | 98.7807% | 843 |
| Net loans and leases to core deposits | 103.8665% | 1,751 |
| Total domestic deposits to total assets | 77.1484% | 6,524 |
| Equity capital to assets | 11.4957% | 2,366 |
| Core capital (leverage) ratio | 10.9059% | 2,294 |
| Tier 1 risk-based capital ratio | 15.1817% | 3,022 |
| Total risk-based capital ratio | 16.3584% | 3,020 |
| Memoranda: | ||
| Average total assets | $595,019,000 | 1,163 |
| Average earning assets | $542,917,000 | 1,161 |
| Average equity | $66,877,000 | 996 |
| Average total loans | $456,115,000 | 1,031 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8539% | 2,425 |
| Cost of funding earning assets | 1.5448% | 5,310 |
| Net interest margin | 4.3091% | 1,694 |
| Noninterest income to average assets | 0.7453% | 2,709 |
| Noninterest expense to average assets | 3.5526% | 2,260 |
| Loan and lease loss provision to assets | 0.3116% | 4,955 |
| Net operating income to assets | 0.5695% | 3,446 |
| Return on assets (ROA) | 0.6517% | 3,186 |
| Pretax return on assets | 0.9131% | 2,882 |
| Return on Equity (ROE) | 6.0514% | 3,189 |
| Retained earnings to average equity (ytd only) | 6.0514% | 1,332 |
| Net charge-offs to loans | 0.3398% | 4,528 |
| Credit loss provision to net charge-offs | 123.6473% | 4,263 |
| Earnings coverage of net charge-offs (x) | 4.4008% | 2,962 |
| Efficiency ratio | 76.2115% | 3,488 |
| Assets per employee ($millions) | 3.1023% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 6,094 |
| Loan loss allowance to noncurrent loans | 107.6412% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 1.0346% | 5,035 |
| Noncurrent loans to loans | 0.9834% | 5,353 |
| Net loans and leases to total assets | 75.4750% | 1,927 |
| Net loans and leases to deposits | 99.0869% | 989 |
| Net loans and leases to core deposits | 118.5673% | 2,071 |
| Total domestic deposits to total assets | 76.1706% | 6,644 |
| Equity capital to assets | 10.9891% | 2,711 |
| Core capital (leverage) ratio | 10.5303% | 2,573 |
| Tier 1 risk-based capital ratio | 14.5517% | 3,175 |
| Total risk-based capital ratio | 15.7009% | 3,188 |
| Memoranda: | ||
| Average total assets | $594,106,000 | 1,164 |
| Average earning assets | $539,927,000 | 1,170 |
| Average equity | $63,985,000 | 1,035 |
| Average total loans | $440,505,800 | 1,091 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9099% | 2,407 |
| Cost of funding earning assets | 1.6390% | 5,206 |
| Net interest margin | 4.2709% | 1,806 |
| Noninterest income to average assets | 0.7074% | 2,968 |
| Noninterest expense to average assets | 3.5338% | 2,186 |
| Loan and lease loss provision to assets | 0.3118% | 4,479 |
| Net operating income to assets | 0.5188% | 3,904 |
| Return on assets (ROA) | 0.6030% | 3,646 |
| Pretax return on assets | 0.8608% | 3,355 |
| Return on Equity (ROE) | 5.6277% | 3,683 |
| Retained earnings to average equity (ytd only) | 5.6277% | 2,144 |
| Net charge-offs to loans | 0.3478% | 3,899 |
| Credit loss provision to net charge-offs | 121.8118% | 4,161 |
| Earnings coverage of net charge-offs (x) | 4.1108% | 3,259 |
| Efficiency ratio | 77.0534% | 3,307 |
| Assets per employee ($millions) | 3.0331% | 6,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 5,971 |
| Loan loss allowance to noncurrent loans | 93.7673% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.2249% | 4,618 |
| Noncurrent loans to loans | 1.1277% | 5,059 |
| Net loans and leases to total assets | 75.2086% | 2,189 |
| Net loans and leases to deposits | 96.2011% | 1,547 |
| Net loans and leases to core deposits | 116.3171% | 2,591 |
| Total domestic deposits to total assets | 78.1785% | 6,027 |
| Equity capital to assets | 10.9825% | 3,021 |
| Core capital (leverage) ratio | 10.3438% | 2,931 |
| Tier 1 risk-based capital ratio | 14.7214% | 3,175 |
| Total risk-based capital ratio | 15.8811% | 3,159 |
| Memoranda: | ||
| Average total assets | $592,169,500 | 1,177 |
| Average earning assets | $537,798,000 | 1,189 |
| Average equity | $63,446,750 | 1,057 |
| Average total loans | $435,855,250 | 1,121 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9927% | 2,214 |
| Cost of funding earning assets | 1.7370% | 5,076 |
| Net interest margin | 4.2557% | 1,796 |
| Noninterest income to average assets | 0.7583% | 2,656 |
| Noninterest expense to average assets | 3.5165% | 2,288 |
| Loan and lease loss provision to assets | 0.3916% | 3,567 |
| Net operating income to assets | 0.4955% | 4,104 |
| Return on assets (ROA) | 0.6033% | 3,770 |
| Pretax return on assets | 0.8602% | 3,472 |
| Return on Equity (ROE) | 5.6781% | 3,792 |
| Retained earnings to average equity (ytd only) | 5.6781% | 2,166 |
| Net charge-offs to loans | 0.1860% | 4,404 |
| Credit loss provision to net charge-offs | 289.2768% | 1,614 |
| Earnings coverage of net charge-offs (x) | 8.1097% | 2,315 |
| Efficiency ratio | 76.2072% | 3,652 |
| Assets per employee ($millions) | 2.8859% | 6,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 4,886 |
| Loan loss allowance to noncurrent loans | 93.5003% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.4612% | 4,050 |
| Noncurrent loans to loans | 1.2909% | 4,619 |
| Net loans and leases to total assets | 72.1382% | 3,183 |
| Net loans and leases to deposits | 91.7927% | 2,503 |
| Net loans and leases to core deposits | 111.3920% | 3,216 |
| Total domestic deposits to total assets | 78.5882% | 5,931 |
| Equity capital to assets | 10.6471% | 3,256 |
| Core capital (leverage) ratio | 10.6236% | 2,717 |
| Tier 1 risk-based capital ratio | 14.9243% | 3,057 |
| Total risk-based capital ratio | 16.1744% | 2,997 |
| Memoranda: | ||
| Average total assets | $592,406,670 | 1,199 |
| Average earning assets | $536,789,000 | 1,205 |
| Average equity | $62,943,330 | 1,083 |
| Average total loans | $431,280,000 | 1,156 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0648% | 2,093 |
| Cost of funding earning assets | 1.7978% | 5,119 |
| Net interest margin | 4.2671% | 1,681 |
| Noninterest income to average assets | 0.6204% | 3,408 |
| Noninterest expense to average assets | 3.4391% | 2,260 |
| Loan and lease loss provision to assets | 0.6340% | 1,989 |
| Net operating income to assets | 0.3255% | 5,186 |
| Return on assets (ROA) | 0.3255% | 5,368 |
| Pretax return on assets | 0.4163% | 5,348 |
| Return on Equity (ROE) | 3.0665% | 5,345 |
| Retained earnings to average equity (ytd only) | 3.0665% | 4,170 |
| Net charge-offs to loans | 0.0392% | 4,954 |
| Credit loss provision to net charge-offs | 2,226.1905% | 297 |
| Earnings coverage of net charge-offs (x) | 36.8810% | 905 |
| Efficiency ratio | 76.6047% | 3,386 |
| Assets per employee ($millions) | 2.9815% | 6,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 4,331 |
| Loan loss allowance to noncurrent loans | 87.7031% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.7364% | 3,313 |
| Noncurrent loans to loans | 1.4386% | 4,145 |
| Net loans and leases to total assets | 71.9336% | 3,247 |
| Net loans and leases to deposits | 93.2487% | 2,395 |
| Net loans and leases to core deposits | 112.2843% | 3,186 |
| Total domestic deposits to total assets | 77.1417% | 6,241 |
| Equity capital to assets | 10.7362% | 3,252 |
| Core capital (leverage) ratio | 10.3107% | 3,097 |
| Tier 1 risk-based capital ratio | 14.6589% | 3,223 |
| Total risk-based capital ratio | 15.9094% | 3,153 |
| Memoranda: | ||
| Average total assets | $589,919,500 | 1,209 |
| Average earning assets | $534,885,500 | 1,213 |
| Average equity | $62,613,000 | 1,085 |
| Average total loans | $428,817,500 | 1,177 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3644% | 3,612 |
| Cost of funding earning assets | 2.2309% | 5,455 |
| Net interest margin | 4.1335% | 2,570 |
| Noninterest income to average assets | 0.6712% | 3,315 |
| Noninterest expense to average assets | 3.6137% | 2,110 |
| Loan and lease loss provision to assets | 0.3948% | 3,326 |
| Net operating income to assets | 0.3158% | 5,493 |
| Return on assets (ROA) | 0.3563% | 5,126 |
| Pretax return on assets | 0.4641% | 5,087 |
| Return on Equity (ROE) | 3.3215% | 5,112 |
| Retained earnings to average equity (ytd only) | 3.3215% | 3,079 |
| Net charge-offs to loans | 0.6827% | 1,802 |
| Credit loss provision to net charge-offs | 76.8031% | 5,962 |
| Earnings coverage of net charge-offs (x) | 1.5687% | 5,308 |
| Efficiency ratio | 81.7588% | 2,334 |
| Assets per employee ($millions) | 3.0540% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 5,639 |
| Loan loss allowance to noncurrent loans | 137.2107% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 1.3741% | 3,442 |
| Noncurrent loans to loans | 0.7642% | 5,119 |
| Net loans and leases to total assets | 71.7697% | 3,636 |
| Net loans and leases to deposits | 96.9370% | 2,297 |
| Net loans and leases to core deposits | 112.6314% | 3,492 |
| Total domestic deposits to total assets | 74.0375% | 6,650 |
| Equity capital to assets | 10.4925% | 3,514 |
| Core capital (leverage) ratio | 10.3062% | 3,169 |
| Tier 1 risk-based capital ratio | 14.5320% | 3,277 |
| Total risk-based capital ratio | 15.6153% | 3,275 |
| Memoranda: | ||
| Average total assets | $561,113,000 | 1,205 |
| Average earning assets | $508,895,800 | 1,212 |
| Average equity | $60,183,400 | 1,119 |
| Average total loans | $422,429,000 | 1,133 |