Home > Mid-Missouri Bank > Performance and Condition Ratios
Mid-Missouri 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 | 4.9364% | 2,204 |
| Cost of funding earning assets | 1.0112% | 3,271 |
| Net interest margin | 3.9252% | 1,324 |
| Noninterest income to average assets | 1.0000% | 640 |
| Noninterest expense to average assets | 3.0124% | 1,111 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.2250% | 1,593 |
| Return on assets (ROA) | 1.2250% | 1,568 |
| Pretax return on assets | 1.6180% | 1,202 |
| Return on Equity (ROE) | 14.7200% | 1,338 |
| Retained earnings to average equity (ytd only) | 7.7091% | 1,626 |
| Net charge-offs to loans | -0.0333% | 4,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.1218% | 2,593 |
| Assets per employee ($millions) | 4.6016% | 3,891 |
| Cash dividends to net income (ytd only)* | 47.6277% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 2,926 |
| Loan loss allowance to noncurrent loans | 1,598.8713% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 3,272 |
| Noncurrent loans to loans | 0.0676% | 3,228 |
| Net loans and leases to total assets | 70.7800% | 1,726 |
| Net loans and leases to deposits | 77.8005% | 2,284 |
| Net loans and leases to core deposits | 88.5890% | 2,146 |
| Total domestic deposits to total assets | 90.9700% | 509 |
| Equity capital to assets | 8.6727% | 2,917 |
| Core capital (leverage) ratio | 9.0521% | 3,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6317% | 2,014 |
| Memoranda: | ||
| Average total assets | $899,814,600 | 1,085 |
| Average earning assets | $845,324,200 | 1,063 |
| Average equity | $74,885,200 | 1,183 |
| Average total loans | $631,518,600 | 1,055 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7823% | 2,305 |
| Cost of funding earning assets | 0.8999% | 3,273 |
| Net interest margin | 3.8824% | 1,438 |
| Noninterest income to average assets | 1.0000% | 646 |
| Noninterest expense to average assets | 2.8826% | 1,261 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2945% | 1,563 |
| Return on assets (ROA) | 1.2945% | 1,547 |
| Pretax return on assets | 1.7102% | 1,144 |
| Return on Equity (ROE) | 15.7200% | 1,301 |
| Retained earnings to average equity (ytd only) | 8.0412% | 1,955 |
| Net charge-offs to loans | -0.0456% | 4,342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.8990% | 2,730 |
| Assets per employee ($millions) | 4.6858% | 3,826 |
| Cash dividends to net income (ytd only)* | 48.8618% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 2,892 |
| Loan loss allowance to noncurrent loans | 1,295.6929% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 3,209 |
| Noncurrent loans to loans | 0.0845% | 3,159 |
| Net loans and leases to total assets | 68.4400% | 2,002 |
| Net loans and leases to deposits | 74.8339% | 2,505 |
| Net loans and leases to core deposits | 85.2067% | 2,239 |
| Total domestic deposits to total assets | 91.4600% | 565 |
| Equity capital to assets | 8.2402% | 2,889 |
| Core capital (leverage) ratio | 9.0170% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9549% | 1,913 |
| Memoranda: | ||
| Average total assets | $895,836,250 | 1,093 |
| Average earning assets | $842,869,000 | 1,066 |
| Average equity | $73,752,000 | 1,194 |
| Average total loans | $625,595,500 | 1,057 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 2,290 |
| Cost of funding earning assets | 0.7487% | 3,353 |
| Net interest margin | 3.9102% | 1,409 |
| Noninterest income to average assets | 0.9900% | 576 |
| Noninterest expense to average assets | 2.8768% | 1,266 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3128% | 1,537 |
| Return on assets (ROA) | 1.3128% | 1,522 |
| Pretax return on assets | 1.7340% | 1,144 |
| Return on Equity (ROE) | 15.9500% | 1,274 |
| Retained earnings to average equity (ytd only) | 9.1237% | 1,657 |
| Net charge-offs to loans | -0.0584% | 4,409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.5844% | 2,764 |
| Assets per employee ($millions) | 4.4320% | 3,996 |
| Cash dividends to net income (ytd only)* | 42.8009% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 2,951 |
| Loan loss allowance to noncurrent loans | 1,710.1235% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 3,312 |
| Noncurrent loans to loans | 0.0644% | 3,244 |
| Net loans and leases to total assets | 70.1200% | 1,729 |
| Net loans and leases to deposits | 76.7904% | 2,232 |
| Net loans and leases to core deposits | 87.1296% | 1,996 |
| Total domestic deposits to total assets | 91.3200% | 552 |
| Equity capital to assets | 8.4655% | 2,889 |
| Core capital (leverage) ratio | 9.0935% | 3,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8656% | 1,952 |
| Memoranda: | ||
| Average total assets | $889,869,000 | 1,094 |
| Average earning assets | $837,137,000 | 1,070 |
| Average equity | $73,238,000 | 1,195 |
| Average total loans | $623,359,667 | 1,043 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5329% | 2,240 |
| Cost of funding earning assets | 0.6294% | 3,292 |
| Net interest margin | 3.9035% | 1,477 |
| Noninterest income to average assets | 0.9500% | 617 |
| Noninterest expense to average assets | 2.8111% | 1,406 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.3378% | 1,576 |
| Return on assets (ROA) | 1.3378% | 1,545 |
| Pretax return on assets | 1.7667% | 1,136 |
| Return on Equity (ROE) | 16.4900% | 1,263 |
| Retained earnings to average equity (ytd only) | 9.5773% | 1,801 |
| Net charge-offs to loans | -0.1082% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.7628% | 2,847 |
| Assets per employee ($millions) | 4.4484% | 4,051 |
| Cash dividends to net income (ytd only)* | 41.9182% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 3,150 |
| Loan loss allowance to noncurrent loans | 1,558.0645% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,293 |
| Noncurrent loans to loans | 0.0693% | 3,234 |
| Net loans and leases to total assets | 70.2900% | 1,595 |
| Net loans and leases to deposits | 76.9882% | 2,040 |
| Net loans and leases to core deposits | 86.1082% | 1,860 |
| Total domestic deposits to total assets | 91.3000% | 701 |
| Equity capital to assets | 8.4028% | 2,966 |
| Core capital (leverage) ratio | 8.8354% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7739% | 2,057 |
| Memoranda: | ||
| Average total assets | $891,606,000 | 1,107 |
| Average earning assets | $838,231,500 | 1,084 |
| Average equity | $72,338,000 | 1,220 |
| Average total loans | $620,796,000 | 1,059 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6483% | 2,662 |
| Cost of funding earning assets | 0.3941% | 2,150 |
| Net interest margin | 3.2542% | 2,694 |
| Noninterest income to average assets | 1.0200% | 618 |
| Noninterest expense to average assets | 2.7143% | 1,520 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0024% | 2,557 |
| Return on assets (ROA) | 1.0024% | 2,501 |
| Pretax return on assets | 1.3228% | 2,012 |
| Return on Equity (ROE) | 12.9800% | 1,822 |
| Retained earnings to average equity (ytd only) | 8.6639% | 1,578 |
| Net charge-offs to loans | -0.0097% | 3,821 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.3642% | 2,173 |
| Assets per employee ($millions) | 4.5577% | 3,994 |
| Cash dividends to net income (ytd only)* | 33.2300% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 3,098 |
| Loan loss allowance to noncurrent loans | 1,097.1284% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 3,147 |
| Noncurrent loans to loans | 0.0961% | 3,075 |
| Net loans and leases to total assets | 67.5100% | 1,884 |
| Net loans and leases to deposits | 73.3997% | 2,298 |
| Net loans and leases to core deposits | 81.0959% | 2,064 |
| Total domestic deposits to total assets | 91.9800% | 645 |
| Equity capital to assets | 7.8306% | 3,162 |
| Core capital (leverage) ratio | 8.5332% | 4,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5205% | 2,157 |
| Memoranda: | ||
| Average total assets | $900,622,200 | 1,078 |
| Average earning assets | $848,293,800 | 1,059 |
| Average equity | $69,576,200 | 1,259 |
| Average total loans | $568,347,800 | 1,077 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4259% | 2,842 |
| Cost of funding earning assets | 0.3757% | 1,474 |
| Net interest margin | 3.0502% | 3,075 |
| Noninterest income to average assets | 1.0600% | 610 |
| Noninterest expense to average assets | 2.6668% | 1,540 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9296% | 2,761 |
| Return on assets (ROA) | 0.9296% | 2,729 |
| Pretax return on assets | 1.2267% | 2,268 |
| Return on Equity (ROE) | 12.0700% | 2,009 |
| Retained earnings to average equity (ytd only) | 9.1883% | 1,584 |
| Net charge-offs to loans | -0.0046% | 3,459 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.6722% | 2,070 |
| Assets per employee ($millions) | 4.6093% | 3,974 |
| Cash dividends to net income (ytd only)* | 23.9006% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 3,118 |
| Loan loss allowance to noncurrent loans | 1,006.0606% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 2,896 |
| Noncurrent loans to loans | 0.1070% | 3,117 |
| Net loans and leases to total assets | 63.5000% | 2,141 |
| Net loans and leases to deposits | 68.7554% | 2,478 |
| Net loans and leases to core deposits | 75.3389% | 2,250 |
| Total domestic deposits to total assets | 92.3600% | 762 |
| Equity capital to assets | 7.4364% | 3,257 |
| Core capital (leverage) ratio | 8.3520% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8787% | 2,099 |
| Memoranda: | ||
| Average total assets | $900,171,000 | 1,081 |
| Average earning assets | $848,833,500 | 1,064 |
| Average equity | $69,304,000 | 1,273 |
| Average total loans | $556,501,500 | 1,086 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2251% | 2,969 |
| Cost of funding earning assets | 0.3853% | 1,020 |
| Net interest margin | 2.8398% | 3,312 |
| Noninterest income to average assets | 1.0723% | 580 |
| Noninterest expense to average assets | 2.6663% | 1,471 |
| Loan and lease loss provision to assets | 0.0335% | 1,985 |
| Net operating income to assets | 0.7969% | 2,968 |
| Return on assets (ROA) | 0.7969% | 2,940 |
| Pretax return on assets | 1.0511% | 2,565 |
| Return on Equity (ROE) | 10.2318% | 2,249 |
| Retained earnings to average equity (ytd only) | 8.0822% | 1,588 |
| Net charge-offs to loans | -0.0099% | 3,593 |
| Credit loss provision to net charge-offs | -555.5556% | 3,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0367% | 1,826 |
| Assets per employee ($millions) | 4.5972% | 4,009 |
| Cash dividends to net income (ytd only)* | 21.0084% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 3,099 |
| Loan loss allowance to noncurrent loans | 1,091.3274% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,353 |
| Noncurrent loans to loans | 0.1023% | 3,244 |
| Net loans and leases to total assets | 60.5825% | 2,265 |
| Net loans and leases to deposits | 65.7575% | 2,566 |
| Net loans and leases to core deposits | 71.7062% | 2,367 |
| Total domestic deposits to total assets | 92.1303% | 785 |
| Equity capital to assets | 7.7357% | 3,318 |
| Core capital (leverage) ratio | 8.1118% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3546% | 1,915 |
| Memoranda: | ||
| Average total assets | $896,012,000 | 1,076 |
| Average earning assets | $845,115,667 | 1,069 |
| Average equity | $69,782,667 | 1,294 |
| Average total loans | $546,708,333 | 1,097 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0886% | 3,008 |
| Cost of funding earning assets | 0.3884% | 931 |
| Net interest margin | 2.7002% | 3,397 |
| Noninterest income to average assets | 1.0646% | 604 |
| Noninterest expense to average assets | 2.6458% | 1,488 |
| Loan and lease loss provision to assets | 0.0336% | 1,759 |
| Net operating income to assets | 0.7087% | 3,027 |
| Return on assets (ROA) | 0.7087% | 3,010 |
| Pretax return on assets | 0.9343% | 2,653 |
| Return on Equity (ROE) | 9.0687% | 2,294 |
| Retained earnings to average equity (ytd only) | 6.2043% | 2,179 |
| Net charge-offs to loans | -0.0301% | 4,089 |
| Credit loss provision to net charge-offs | -182.9268% | 2,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1665% | 1,839 |
| Assets per employee ($millions) | 4.7307% | 3,977 |
| Cash dividends to net income (ytd only)* | 31.5856% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 3,249 |
| Loan loss allowance to noncurrent loans | 850.2786% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 3,283 |
| Noncurrent loans to loans | 0.1316% | 3,151 |
| Net loans and leases to total assets | 59.1108% | 2,176 |
| Net loans and leases to deposits | 64.3438% | 2,497 |
| Net loans and leases to core deposits | 70.7202% | 2,234 |
| Total domestic deposits to total assets | 91.8672% | 628 |
| Equity capital to assets | 7.5465% | 3,902 |
| Core capital (leverage) ratio | 8.0453% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1898% | 2,122 |
| Memoranda: | ||
| Average total assets | $893,488,000 | 1,089 |
| Average earning assets | $843,493,500 | 1,077 |
| Average equity | $69,822,500 | 1,336 |
| Average total loans | $544,037,000 | 1,091 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7354% | 2,019 |
| Cost of funding earning assets | 0.4604% | 1,126 |
| Net interest margin | 3.2750% | 2,386 |
| Noninterest income to average assets | 1.1528% | 795 |
| Noninterest expense to average assets | 2.8747% | 1,207 |
| Loan and lease loss provision to assets | 0.0355% | 2,342 |
| Net operating income to assets | 1.0044% | 2,651 |
| Return on assets (ROA) | 1.0044% | 2,720 |
| Pretax return on assets | 1.3251% | 2,282 |
| Return on Equity (ROE) | 12.3527% | 1,697 |
| Retained earnings to average equity (ytd only) | 8.7153% | 1,277 |
| Net charge-offs to loans | -0.0066% | 3,620 |
| Credit loss provision to net charge-offs | -833.3333% | 3,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8324% | 2,007 |
| Assets per employee ($millions) | 4.3481% | 4,232 |
| Cash dividends to net income (ytd only)* | 29.4464% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 3,335 |
| Loan loss allowance to noncurrent loans | 528.5966% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 2,596 |
| Noncurrent loans to loans | 0.2089% | 2,907 |
| Net loans and leases to total assets | 61.3631% | 2,022 |
| Net loans and leases to deposits | 67.2262% | 2,385 |
| Net loans and leases to core deposits | 74.4638% | 2,041 |
| Total domestic deposits to total assets | 91.2785% | 392 |
| Equity capital to assets | 8.0947% | 4,311 |
| Core capital (leverage) ratio | 8.1501% | 4,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1954% | 2,162 |
| Memoranda: | ||
| Average total assets | $845,270,600 | 1,095 |
| Average earning assets | $795,603,600 | 1,094 |
| Average equity | $68,730,000 | 1,370 |
| Average total loans | $545,409,000 | 1,089 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 1,743 |
| Cost of funding earning assets | 0.4804% | 1,154 |
| Net interest margin | 3.4253% | 2,087 |
| Noninterest income to average assets | 1.1669% | 843 |
| Noninterest expense to average assets | 2.8120% | 1,316 |
| Loan and lease loss provision to assets | 0.0358% | 2,286 |
| Net operating income to assets | 1.1656% | 2,302 |
| Return on assets (ROA) | 1.1656% | 2,361 |
| Pretax return on assets | 1.5380% | 1,883 |
| Return on Equity (ROE) | 14.3186% | 1,309 |
| Retained earnings to average equity (ytd only) | 10.8987% | 1,082 |
| Net charge-offs to loans | -0.0088% | 3,621 |
| Credit loss provision to net charge-offs | -625.0000% | 3,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0756% | 2,376 |
| Assets per employee ($millions) | 4.3982% | 4,192 |
| Cash dividends to net income (ytd only)* | 23.8843% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 3,479 |
| Loan loss allowance to noncurrent loans | 603.4694% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 2,867 |
| Noncurrent loans to loans | 0.1808% | 3,225 |
| Net loans and leases to total assets | 61.8667% | 2,022 |
| Net loans and leases to deposits | 67.8590% | 2,451 |
| Net loans and leases to core deposits | 76.0295% | 2,044 |
| Total domestic deposits to total assets | 91.1695% | 316 |
| Equity capital to assets | 8.1878% | 4,415 |
| Core capital (leverage) ratio | 8.2154% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0530% | 2,343 |
| Memoranda: | ||
| Average total assets | $838,098,500 | 1,115 |
| Average earning assets | $787,610,500 | 1,114 |
| Average equity | $68,226,500 | 1,394 |
| Average total loans | $546,192,000 | 1,112 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9514% | 1,673 |
| Cost of funding earning assets | 0.4962% | 1,224 |
| Net interest margin | 3.4552% | 1,990 |
| Noninterest income to average assets | 1.1703% | 836 |
| Noninterest expense to average assets | 2.7800% | 1,398 |
| Loan and lease loss provision to assets | 0.0362% | 2,268 |
| Net operating income to assets | 1.2099% | 2,155 |
| Return on assets (ROA) | 1.2099% | 2,223 |
| Pretax return on assets | 1.5963% | 1,740 |
| Return on Equity (ROE) | 14.8928% | 1,184 |
| Retained earnings to average equity (ytd only) | 11.9220% | 934 |
| Net charge-offs to loans | -0.0124% | 3,764 |
| Credit loss provision to net charge-offs | -441.1765% | 3,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9581% | 2,583 |
| Assets per employee ($millions) | 4.4292% | 4,157 |
| Cash dividends to net income (ytd only)* | 19.9481% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 3,504 |
| Loan loss allowance to noncurrent loans | 723.2962% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 3,111 |
| Noncurrent loans to loans | 0.1491% | 3,453 |
| Net loans and leases to total assets | 61.9981% | 2,179 |
| Net loans and leases to deposits | 68.1284% | 2,603 |
| Net loans and leases to core deposits | 76.4606% | 2,194 |
| Total domestic deposits to total assets | 91.0019% | 375 |
| Equity capital to assets | 8.0390% | 4,510 |
| Core capital (leverage) ratio | 8.1373% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1020% | 2,326 |
| Memoranda: | ||
| Average total assets | $828,647,667 | 1,122 |
| Average earning assets | $777,555,000 | 1,119 |
| Average equity | $67,321,000 | 1,397 |
| Average total loans | $547,603,000 | 1,112 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5954% | 2,651 |
| Cost of funding earning assets | 0.5101% | 1,329 |
| Net interest margin | 3.0853% | 3,037 |
| Noninterest income to average assets | 1.1658% | 895 |
| Noninterest expense to average assets | 2.7064% | 1,605 |
| Loan and lease loss provision to assets | 0.0370% | 2,281 |
| Net operating income to assets | 0.9961% | 2,814 |
| Return on assets (ROA) | 0.9961% | 2,912 |
| Pretax return on assets | 1.3127% | 2,530 |
| Return on Equity (ROE) | 12.1934% | 1,947 |
| Retained earnings to average equity (ytd only) | 9.1752% | 1,898 |
| Net charge-offs to loans | -0.0225% | 4,051 |
| Credit loss provision to net charge-offs | -241.9355% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6748% | 2,133 |
| Assets per employee ($millions) | 4.3438% | 4,243 |
| Cash dividends to net income (ytd only)* | 24.7525% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 3,685 |
| Loan loss allowance to noncurrent loans | 1,068.4601% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 3,422 |
| Noncurrent loans to loans | 0.0976% | 3,819 |
| Net loans and leases to total assets | 65.2204% | 1,899 |
| Net loans and leases to deposits | 71.7574% | 2,338 |
| Net loans and leases to core deposits | 80.9746% | 1,912 |
| Total domestic deposits to total assets | 90.8901% | 441 |
| Equity capital to assets | 7.9965% | 4,491 |
| Core capital (leverage) ratio | 8.2614% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6318% | 2,433 |
| Memoranda: | ||
| Average total assets | $811,124,500 | 1,126 |
| Average earning assets | $759,865,000 | 1,127 |
| Average equity | $66,265,500 | 1,404 |
| Average total loans | $550,749,000 | 1,111 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 2,227 |
| Cost of funding earning assets | 0.6450% | 2,028 |
| Net interest margin | 3.5272% | 2,385 |
| Noninterest income to average assets | 1.1591% | 810 |
| Noninterest expense to average assets | 3.1467% | 1,151 |
| Loan and lease loss provision to assets | 0.0638% | 3,580 |
| Net operating income to assets | 0.9608% | 2,437 |
| Return on assets (ROA) | 0.9628% | 2,578 |
| Pretax return on assets | 1.2412% | 2,186 |
| Return on Equity (ROE) | 11.1803% | 1,564 |
| Retained earnings to average equity (ytd only) | 7.2140% | 1,312 |
| Net charge-offs to loans | 0.0523% | 2,044 |
| Credit loss provision to net charge-offs | 163.8596% | 2,348 |
| Earnings coverage of net charge-offs (x) | 33.4526% | 1,519 |
| Efficiency ratio | 70.6780% | 1,858 |
| Assets per employee ($millions) | 3.9195% | 4,431 |
| Cash dividends to net income (ytd only)* | 35.4761% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 3,758 |
| Loan loss allowance to noncurrent loans | 398.0986% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 2,750 |
| Noncurrent loans to loans | 0.2587% | 3,266 |
| Net loans and leases to total assets | 69.3088% | 1,646 |
| Net loans and leases to deposits | 76.8202% | 2,193 |
| Net loans and leases to core deposits | 88.3293% | 1,657 |
| Total domestic deposits to total assets | 90.2221% | 478 |
| Equity capital to assets | 8.3546% | 4,552 |
| Core capital (leverage) ratio | 8.3575% | 4,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0833% | 2,599 |
| Memoranda: | ||
| Average total assets | $731,937,400 | 1,131 |
| Average earning assets | $682,753,600 | 1,128 |
| Average equity | $63,030,600 | 1,395 |
| Average total loans | $545,013,600 | 1,065 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1712% | 2,464 |
| Cost of funding earning assets | 0.6820% | 2,134 |
| Net interest margin | 3.4892% | 2,624 |
| Noninterest income to average assets | 1.1756% | 769 |
| Noninterest expense to average assets | 3.1712% | 1,121 |
| Loan and lease loss provision to assets | 0.0402% | 3,851 |
| Net operating income to assets | 0.9697% | 2,453 |
| Return on assets (ROA) | 0.9723% | 2,575 |
| Pretax return on assets | 1.2238% | 2,306 |
| Return on Equity (ROE) | 11.2000% | 1,623 |
| Retained earnings to average equity (ytd only) | 6.9276% | 1,731 |
| Net charge-offs to loans | 0.0669% | 1,654 |
| Credit loss provision to net charge-offs | 79.4872% | 2,761 |
| Earnings coverage of net charge-offs (x) | 24.9011% | 1,742 |
| Efficiency ratio | 71.5081% | 1,697 |
| Assets per employee ($millions) | 4.0957% | 4,242 |
| Cash dividends to net income (ytd only)* | 38.1461% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 3,902 |
| Loan loss allowance to noncurrent loans | 108.8223% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.6880% | 1,689 |
| Noncurrent loans to loans | 0.8698% | 1,711 |
| Net loans and leases to total assets | 73.2047% | 1,472 |
| Net loans and leases to deposits | 81.1156% | 2,187 |
| Net loans and leases to core deposits | 93.7445% | 1,665 |
| Total domestic deposits to total assets | 90.2474% | 349 |
| Equity capital to assets | 8.2946% | 4,579 |
| Core capital (leverage) ratio | 8.2312% | 4,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4408% | 2,807 |
| Memoranda: | ||
| Average total assets | $718,947,000 | 1,136 |
| Average earning assets | $670,959,250 | 1,126 |
| Average equity | $62,415,250 | 1,394 |
| Average total loans | $544,026,000 | 1,057 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2333% | 2,658 |
| Cost of funding earning assets | 0.7052% | 2,349 |
| Net interest margin | 3.5281% | 2,706 |
| Noninterest income to average assets | 1.1622% | 737 |
| Noninterest expense to average assets | 3.2025% | 1,153 |
| Loan and lease loss provision to assets | 0.0391% | 3,788 |
| Net operating income to assets | 0.9614% | 2,455 |
| Return on assets (ROA) | 0.9655% | 2,571 |
| Pretax return on assets | 1.2150% | 2,315 |
| Return on Equity (ROE) | 10.9418% | 1,648 |
| Retained earnings to average equity (ytd only) | 6.0888% | 2,041 |
| Net charge-offs to loans | 0.0868% | 1,382 |
| Credit loss provision to net charge-offs | 59.0517% | 2,591 |
| Earnings coverage of net charge-offs (x) | 18.8578% | 1,750 |
| Efficiency ratio | 71.8912% | 1,696 |
| Assets per employee ($millions) | 3.7901% | 4,476 |
| Cash dividends to net income (ytd only)* | 44.3525% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 3,789 |
| Loan loss allowance to noncurrent loans | 111.0973% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 1,824 |
| Noncurrent loans to loans | 0.8578% | 1,775 |
| Net loans and leases to total assets | 72.2691% | 1,660 |
| Net loans and leases to deposits | 79.9928% | 2,425 |
| Net loans and leases to core deposits | 92.8320% | 1,835 |
| Total domestic deposits to total assets | 90.3445% | 313 |
| Equity capital to assets | 8.1338% | 4,661 |
| Core capital (leverage) ratio | 8.4194% | 4,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4371% | 2,843 |
| Memoranda: | ||
| Average total assets | $700,569,000 | 1,144 |
| Average earning assets | $653,156,000 | 1,134 |
| Average equity | $61,818,000 | 1,392 |
| Average total loans | $534,675,000 | 1,061 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5508% | 2,153 |
| Cost of funding earning assets | 0.7543% | 2,645 |
| Net interest margin | 3.7965% | 1,988 |
| Noninterest income to average assets | 1.1857% | 620 |
| Noninterest expense to average assets | 3.4107% | 1,052 |
| Loan and lease loss provision to assets | 0.0331% | 3,356 |
| Net operating income to assets | 0.9695% | 2,285 |
| Return on assets (ROA) | 0.9695% | 2,387 |
| Pretax return on assets | 1.2760% | 1,944 |
| Return on Equity (ROE) | 10.5087% | 1,570 |
| Retained earnings to average equity (ytd only) | 3.9816% | 2,686 |
| Net charge-offs to loans | 0.0815% | 1,216 |
| Credit loss provision to net charge-offs | 51.8868% | 2,050 |
| Earnings coverage of net charge-offs (x) | 20.5094% | 1,410 |
| Efficiency ratio | 72.2123% | 2,048 |
| Assets per employee ($millions) | 3.3640% | 4,590 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 3,540 |
| Loan loss allowance to noncurrent loans | 93.8041% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.8545% | 1,567 |
| Noncurrent loans to loans | 1.0992% | 1,510 |
| Net loans and leases to total assets | 76.9394% | 1,143 |
| Net loans and leases to deposits | 86.2182% | 1,973 |
| Net loans and leases to core deposits | 99.6184% | 1,505 |
| Total domestic deposits to total assets | 89.2380% | 571 |
| Equity capital to assets | 9.1188% | 4,522 |
| Core capital (leverage) ratio | 9.2122% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4139% | 2,963 |
| Memoranda: | ||
| Average total assets | $664,264,500 | 1,164 |
| Average earning assets | $618,358,500 | 1,154 |
| Average equity | $61,282,500 | 1,399 |
| Average total loans | $519,940,000 | 1,062 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7649% | 2,147 |
| Cost of funding earning assets | 0.7482% | 2,928 |
| Net interest margin | 4.0167% | 1,800 |
| Noninterest income to average assets | 1.1746% | 683 |
| Noninterest expense to average assets | 3.4172% | 1,083 |
| Loan and lease loss provision to assets | 0.0184% | 3,643 |
| Net operating income to assets | 1.1318% | 2,329 |
| Return on assets (ROA) | 1.1316% | 2,424 |
| Pretax return on assets | 1.4832% | 1,853 |
| Return on Equity (ROE) | 12.2699% | 1,410 |
| Retained earnings to average equity (ytd only) | 3.9434% | 2,991 |
| Net charge-offs to loans | 0.0265% | 2,866 |
| Credit loss provision to net charge-offs | 88.2353% | 2,672 |
| Earnings coverage of net charge-offs (x) | 71.9118% | 870 |
| Efficiency ratio | 69.4202% | 2,261 |
| Assets per employee ($millions) | 3.1822% | 4,719 |
| Cash dividends to net income (ytd only)* | 67.8610% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,147 |
| Loan loss allowance to noncurrent loans | 102.8190% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 1,567 |
| Noncurrent loans to loans | 1.0348% | 1,462 |
| Net loans and leases to total assets | 77.9859% | 1,083 |
| Net loans and leases to deposits | 87.5418% | 1,907 |
| Net loans and leases to core deposits | 100.1599% | 1,547 |
| Total domestic deposits to total assets | 89.0842% | 635 |
| Equity capital to assets | 9.3363% | 4,473 |
| Core capital (leverage) ratio | 9.2171% | 4,351 |
| Tier 1 risk-based capital ratio | 11.9236% | 4,406 |
| Total risk-based capital ratio | 12.9976% | 4,378 |
| Memoranda: | ||
| Average total assets | $651,141,200 | 1,150 |
| Average earning assets | $607,037,800 | 1,132 |
| Average equity | $60,049,200 | 1,375 |
| Average total loans | $514,024,800 | 1,052 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7545% | 2,259 |
| Cost of funding earning assets | 0.7366% | 3,030 |
| Net interest margin | 4.0179% | 1,875 |
| Noninterest income to average assets | 1.1654% | 671 |
| Noninterest expense to average assets | 3.2765% | 1,318 |
| Loan and lease loss provision to assets | 0.0184% | 3,538 |
| Net operating income to assets | 1.2323% | 2,089 |
| Return on assets (ROA) | 1.2320% | 2,164 |
| Pretax return on assets | 1.6159% | 1,582 |
| Return on Equity (ROE) | 13.4010% | 1,140 |
| Retained earnings to average equity (ytd only) | 6.7161% | 2,003 |
| Net charge-offs to loans | 0.0280% | 2,536 |
| Credit loss provision to net charge-offs | 83.3333% | 2,459 |
| Earnings coverage of net charge-offs (x) | 73.8870% | 913 |
| Efficiency ratio | 66.6681% | 2,643 |
| Assets per employee ($millions) | 3.3036% | 4,666 |
| Cash dividends to net income (ytd only)* | 49.8836% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 3,364 |
| Loan loss allowance to noncurrent loans | 98.2926% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.8663% | 1,580 |
| Noncurrent loans to loans | 1.0539% | 1,519 |
| Net loans and leases to total assets | 79.0733% | 980 |
| Net loans and leases to deposits | 88.7664% | 1,835 |
| Net loans and leases to core deposits | 101.4600% | 1,550 |
| Total domestic deposits to total assets | 89.0803% | 586 |
| Equity capital to assets | 9.3159% | 4,586 |
| Core capital (leverage) ratio | 9.3482% | 4,331 |
| Tier 1 risk-based capital ratio | 11.7012% | 4,568 |
| Total risk-based capital ratio | 12.7438% | 4,574 |
| Memoranda: | ||
| Average total assets | $650,837,750 | 1,145 |
| Average earning assets | $606,767,500 | 1,128 |
| Average equity | $59,835,000 | 1,380 |
| Average total loans | $513,977,000 | 1,052 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7291% | 2,278 |
| Cost of funding earning assets | 0.7115% | 3,106 |
| Net interest margin | 4.0176% | 1,862 |
| Noninterest income to average assets | 1.1388% | 654 |
| Noninterest expense to average assets | 3.3172% | 1,253 |
| Loan and lease loss provision to assets | 0.0185% | 3,417 |
| Net operating income to assets | 1.1832% | 2,211 |
| Return on assets (ROA) | 1.1832% | 2,275 |
| Pretax return on assets | 1.5508% | 1,696 |
| Return on Equity (ROE) | 12.9289% | 1,268 |
| Retained earnings to average equity (ytd only) | 6.1793% | 2,203 |
| Net charge-offs to loans | 0.0401% | 2,089 |
| Credit loss provision to net charge-offs | 58.8235% | 2,410 |
| Earnings coverage of net charge-offs (x) | 49.8137% | 1,098 |
| Efficiency ratio | 67.8339% | 2,563 |
| Assets per employee ($millions) | 3.3608% | 4,653 |
| Cash dividends to net income (ytd only)* | 52.2057% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 3,316 |
| Loan loss allowance to noncurrent loans | 104.4104% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.8319% | 1,694 |
| Noncurrent loans to loans | 1.0094% | 1,624 |
| Net loans and leases to total assets | 78.4051% | 1,148 |
| Net loans and leases to deposits | 87.9214% | 2,019 |
| Net loans and leases to core deposits | 98.9810% | 1,807 |
| Total domestic deposits to total assets | 89.1763% | 598 |
| Equity capital to assets | 9.2766% | 4,594 |
| Core capital (leverage) ratio | 9.2234% | 4,432 |
| Tier 1 risk-based capital ratio | 11.7303% | 4,553 |
| Total risk-based capital ratio | 12.7894% | 4,556 |
| Memoranda: | ||
| Average total assets | $647,543,000 | 1,153 |
| Average earning assets | $604,045,670 | 1,132 |
| Average equity | $59,262,670 | 1,388 |
| Average total loans | $509,328,000 | 1,061 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 2,257 |
| Cost of funding earning assets | 0.6823% | 3,142 |
| Net interest margin | 4.0089% | 1,831 |
| Noninterest income to average assets | 1.0624% | 711 |
| Noninterest expense to average assets | 3.2486% | 1,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1597% | 2,217 |
| Return on assets (ROA) | 1.1597% | 2,272 |
| Pretax return on assets | 1.5502% | 1,611 |
| Return on Equity (ROE) | 12.7599% | 1,295 |
| Retained earnings to average equity (ytd only) | 2.5302% | 3,914 |
| Net charge-offs to loans | -0.3591% | 5,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6440% | 2,687 |
| Assets per employee ($millions) | 3.3040% | 4,740 |
| Cash dividends to net income (ytd only)* | 80.1710% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 2,687 |
| Loan loss allowance to noncurrent loans | 195.7496% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 2,461 |
| Noncurrent loans to loans | 0.6029% | 2,529 |
| Net loans and leases to total assets | 75.2812% | 1,600 |
| Net loans and leases to deposits | 83.7059% | 2,420 |
| Net loans and leases to core deposits | 93.8618% | 2,139 |
| Total domestic deposits to total assets | 89.9353% | 473 |
| Equity capital to assets | 8.9104% | 4,742 |
| Core capital (leverage) ratio | 8.9367% | 4,692 |
| Tier 1 risk-based capital ratio | 11.7263% | 4,607 |
| Total risk-based capital ratio | 12.9103% | 4,530 |
| Memoranda: | ||
| Average total assets | $645,316,000 | 1,158 |
| Average earning assets | $601,456,000 | 1,140 |
| Average equity | $58,652,500 | 1,396 |
| Average total loans | $505,670,000 | 1,066 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 2,421 |
| Cost of funding earning assets | 0.5646% | 2,960 |
| Net interest margin | 3.9498% | 2,159 |
| Noninterest income to average assets | 1.2363% | 609 |
| Noninterest expense to average assets | 3.2922% | 1,339 |
| Loan and lease loss provision to assets | 0.0573% | 3,018 |
| Net operating income to assets | 1.1576% | 2,349 |
| Return on assets (ROA) | 1.1576% | 2,352 |
| Pretax return on assets | 1.5497% | 1,623 |
| Return on Equity (ROE) | 12.6008% | 1,511 |
| Retained earnings to average equity (ytd only) | 3.9393% | 3,407 |
| Net charge-offs to loans | 0.0546% | 2,364 |
| Credit loss provision to net charge-offs | 131.8681% | 2,007 |
| Earnings coverage of net charge-offs (x) | 36.9890% | 1,399 |
| Efficiency ratio | 67.1084% | 2,692 |
| Assets per employee ($millions) | 3.1971% | 4,841 |
| Cash dividends to net income (ytd only)* | 68.7380% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 3,218 |
| Loan loss allowance to noncurrent loans | 199.5273% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 2,815 |
| Noncurrent loans to loans | 0.5414% | 2,653 |
| Net loans and leases to total assets | 79.7759% | 972 |
| Net loans and leases to deposits | 89.1387% | 1,909 |
| Net loans and leases to core deposits | 100.8529% | 1,657 |
| Total domestic deposits to total assets | 89.4963% | 663 |
| Equity capital to assets | 9.2763% | 4,342 |
| Core capital (leverage) ratio | 9.2574% | 4,393 |
| Tier 1 risk-based capital ratio | 11.5844% | 4,676 |
| Total risk-based capital ratio | 12.6716% | 4,669 |
| Memoranda: | ||
| Average total assets | $628,393,400 | 1,159 |
| Average earning assets | $582,734,200 | 1,150 |
| Average equity | $57,726,600 | 1,367 |
| Average total loans | $499,555,800 | 1,049 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 2,454 |
| Cost of funding earning assets | 0.5410% | 2,926 |
| Net interest margin | 3.9119% | 2,251 |
| Noninterest income to average assets | 1.2326% | 633 |
| Noninterest expense to average assets | 3.2133% | 1,493 |
| Loan and lease loss provision to assets | 0.0382% | 3,241 |
| Net operating income to assets | 1.1991% | 2,243 |
| Return on assets (ROA) | 1.1991% | 2,246 |
| Pretax return on assets | 1.6054% | 1,565 |
| Return on Equity (ROE) | 13.0847% | 1,399 |
| Retained earnings to average equity (ytd only) | 3.8179% | 3,868 |
| Net charge-offs to loans | 0.0375% | 2,328 |
| Credit loss provision to net charge-offs | 128.5714% | 1,908 |
| Earnings coverage of net charge-offs (x) | 55.3006% | 1,109 |
| Efficiency ratio | 66.0547% | 2,863 |
| Assets per employee ($millions) | 3.2180% | 4,869 |
| Cash dividends to net income (ytd only)* | 70.8215% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,225 |
| Loan loss allowance to noncurrent loans | 188.8889% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 2,860 |
| Noncurrent loans to loans | 0.5796% | 2,641 |
| Net loans and leases to total assets | 77.5162% | 1,412 |
| Net loans and leases to deposits | 86.3863% | 2,332 |
| Net loans and leases to core deposits | 98.6286% | 1,894 |
| Total domestic deposits to total assets | 89.7321% | 591 |
| Equity capital to assets | 9.1029% | 4,456 |
| Core capital (leverage) ratio | 9.2430% | 4,466 |
| Tier 1 risk-based capital ratio | 11.6752% | 4,690 |
| Total risk-based capital ratio | 12.7727% | 4,663 |
| Memoranda: | ||
| Average total assets | $628,034,750 | 1,161 |
| Average earning assets | $581,866,500 | 1,155 |
| Average equity | $57,552,000 | 1,365 |
| Average total loans | $497,460,250 | 1,057 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 2,383 |
| Cost of funding earning assets | 0.5240% | 2,808 |
| Net interest margin | 3.8846% | 2,262 |
| Noninterest income to average assets | 1.2654% | 605 |
| Noninterest expense to average assets | 3.1844% | 1,580 |
| Loan and lease loss provision to assets | 0.0383% | 3,144 |
| Net operating income to assets | 1.2251% | 2,082 |
| Return on assets (ROA) | 1.2251% | 2,082 |
| Pretax return on assets | 1.6404% | 1,373 |
| Return on Equity (ROE) | 13.3391% | 1,254 |
| Retained earnings to average equity (ytd only) | 8.1217% | 1,572 |
| Net charge-offs to loans | 0.0707% | 1,632 |
| Credit loss provision to net charge-offs | 68.1818% | 2,370 |
| Earnings coverage of net charge-offs (x) | 29.8580% | 1,506 |
| Efficiency ratio | 65.3485% | 3,094 |
| Assets per employee ($millions) | 3.2035% | 4,926 |
| Cash dividends to net income (ytd only)* | 39.1134% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,470 |
| Loan loss allowance to noncurrent loans | 178.1333% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 2,830 |
| Noncurrent loans to loans | 0.5964% | 2,629 |
| Net loans and leases to total assets | 79.6739% | 1,067 |
| Net loans and leases to deposits | 89.0393% | 1,973 |
| Net loans and leases to core deposits | 101.3371% | 1,622 |
| Total domestic deposits to total assets | 89.4817% | 744 |
| Equity capital to assets | 9.3562% | 4,234 |
| Core capital (leverage) ratio | 9.3985% | 4,248 |
| Tier 1 risk-based capital ratio | 11.6198% | 4,732 |
| Total risk-based capital ratio | 12.6803% | 4,726 |
| Memoranda: | ||
| Average total assets | $626,061,330 | 1,165 |
| Average earning assets | $579,824,000 | 1,161 |
| Average equity | $57,500,000 | 1,370 |
| Average total loans | $497,661,000 | 1,054 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3020% | 2,504 |
| Cost of funding earning assets | 0.5056% | 2,753 |
| Net interest margin | 3.7963% | 2,441 |
| Noninterest income to average assets | 1.0824% | 783 |
| Noninterest expense to average assets | 3.1266% | 1,751 |
| Loan and lease loss provision to assets | 0.0383% | 2,985 |
| Net operating income to assets | 1.0690% | 2,567 |
| Return on assets (ROA) | 1.0690% | 2,578 |
| Pretax return on assets | 1.4347% | 1,885 |
| Return on Equity (ROE) | 11.7488% | 1,669 |
| Retained earnings to average equity (ytd only) | 11.7488% | 729 |
| Net charge-offs to loans | 0.0032% | 2,623 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 577.0000% | 110 |
| Efficiency ratio | 67.7536% | 2,873 |
| Assets per employee ($millions) | 3.2785% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,385 |
| Loan loss allowance to noncurrent loans | 191.4386% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.5432% | 2,713 |
| Noncurrent loans to loans | 0.5744% | 2,819 |
| Net loans and leases to total assets | 76.7515% | 1,418 |
| Net loans and leases to deposits | 85.4706% | 2,235 |
| Net loans and leases to core deposits | 99.4344% | 1,726 |
| Total domestic deposits to total assets | 89.7987% | 742 |
| Equity capital to assets | 9.0446% | 4,507 |
| Core capital (leverage) ratio | 9.3407% | 4,270 |
| Tier 1 risk-based capital ratio | 11.6643% | 4,762 |
| Total risk-based capital ratio | 12.7636% | 4,749 |
| Memoranda: | ||
| Average total assets | $626,754,500 | 1,170 |
| Average earning assets | $580,664,500 | 1,168 |
| Average equity | $57,027,000 | 1,388 |
| Average total loans | $494,968,000 | 1,065 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 2,342 |
| Cost of funding earning assets | 0.4141% | 3,109 |
| Net interest margin | 3.8830% | 2,142 |
| Noninterest income to average assets | 1.1317% | 793 |
| Noninterest expense to average assets | 3.1929% | 1,624 |
| Loan and lease loss provision to assets | 0.0209% | 3,883 |
| Net operating income to assets | 0.9092% | 2,660 |
| Return on assets (ROA) | 0.9167% | 2,643 |
| Pretax return on assets | 1.5148% | 1,581 |
| Return on Equity (ROE) | 9.7337% | 2,003 |
| Retained earnings to average equity (ytd only) | 0.8575% | 4,688 |
| Net charge-offs to loans | 0.0627% | 2,578 |
| Credit loss provision to net charge-offs | 41.9463% | 3,424 |
| Earnings coverage of net charge-offs (x) | 30.5906% | 1,527 |
| Efficiency ratio | 67.6898% | 2,954 |
| Assets per employee ($millions) | 3.2671% | 4,976 |
| Cash dividends to net income (ytd only)* | 91.1910% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 3,392 |
| Loan loss allowance to noncurrent loans | 158.4042% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 2,654 |
| Noncurrent loans to loans | 0.6904% | 2,490 |
| Net loans and leases to total assets | 79.5181% | 1,030 |
| Net loans and leases to deposits | 93.0682% | 1,379 |
| Net loans and leases to core deposits | 106.4119% | 1,239 |
| Total domestic deposits to total assets | 85.4407% | 2,677 |
| Equity capital to assets | 9.1552% | 4,571 |
| Core capital (leverage) ratio | 9.4916% | 4,066 |
| Tier 1 risk-based capital ratio | 11.3776% | 4,932 |
| Total risk-based capital ratio | 12.4708% | 4,906 |
| Memoranda: | ||
| Average total assets | $598,147,200 | 1,197 |
| Average earning assets | $552,279,200 | 1,205 |
| Average equity | $56,329,800 | 1,389 |
| Average total loans | $475,152,200 | 1,077 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2852% | 2,312 |
| Cost of funding earning assets | 0.4039% | 3,149 |
| Net interest margin | 3.8813% | 2,104 |
| Noninterest income to average assets | 1.1310% | 788 |
| Noninterest expense to average assets | 3.1972% | 1,564 |
| Loan and lease loss provision to assets | 0.0281% | 3,569 |
| Net operating income to assets | 0.9514% | 2,772 |
| Return on assets (ROA) | 0.9587% | 2,787 |
| Pretax return on assets | 1.5013% | 1,761 |
| Return on Equity (ROE) | 10.1072% | 2,083 |
| Retained earnings to average equity (ytd only) | 1.8265% | 4,700 |
| Net charge-offs to loans | 0.0544% | 2,363 |
| Credit loss provision to net charge-offs | 65.1042% | 2,748 |
| Earnings coverage of net charge-offs (x) | 35.2297% | 1,418 |
| Efficiency ratio | 67.8073% | 2,911 |
| Assets per employee ($millions) | 3.0232% | 5,245 |
| Cash dividends to net income (ytd only)* | 81.9288% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 3,185 |
| Loan loss allowance to noncurrent loans | 269.1932% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4230% | 3,328 |
| Noncurrent loans to loans | 0.4281% | 3,417 |
| Net loans and leases to total assets | 80.5159% | 913 |
| Net loans and leases to deposits | 90.3304% | 1,773 |
| Net loans and leases to core deposits | 103.9594% | 1,393 |
| Total domestic deposits to total assets | 89.1349% | 813 |
| Equity capital to assets | 9.6566% | 4,288 |
| Core capital (leverage) ratio | 9.5032% | 4,165 |
| Tier 1 risk-based capital ratio | 11.8041% | 4,764 |
| Total risk-based capital ratio | 12.9544% | 4,708 |
| Memoranda: | ||
| Average total assets | $594,132,250 | 1,209 |
| Average earning assets | $548,632,750 | 1,217 |
| Average equity | $56,354,250 | 1,404 |
| Average total loans | $470,488,750 | 1,086 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 2,427 |
| Cost of funding earning assets | 0.3816% | 3,273 |
| Net interest margin | 3.8304% | 2,174 |
| Noninterest income to average assets | 1.1189% | 801 |
| Noninterest expense to average assets | 3.1652% | 1,667 |
| Loan and lease loss provision to assets | 0.0419% | 3,164 |
| Net operating income to assets | 0.9296% | 2,766 |
| Return on assets (ROA) | 0.9405% | 2,776 |
| Pretax return on assets | 1.4681% | 1,767 |
| Return on Equity (ROE) | 9.9750% | 2,044 |
| Retained earnings to average equity (ytd only) | 2.8652% | 4,006 |
| Net charge-offs to loans | 0.0684% | 1,949 |
| Credit loss provision to net charge-offs | 78.1250% | 2,282 |
| Earnings coverage of net charge-offs (x) | 27.8375% | 1,527 |
| Efficiency ratio | 67.9499% | 3,024 |
| Assets per employee ($millions) | 3.1938% | 5,106 |
| Cash dividends to net income (ytd only)* | 71.2758% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 3,279 |
| Loan loss allowance to noncurrent loans | 296.4668% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 3,575 |
| Noncurrent loans to loans | 0.3899% | 3,626 |
| Net loans and leases to total assets | 78.8636% | 1,115 |
| Net loans and leases to deposits | 88.1947% | 1,960 |
| Net loans and leases to core deposits | 103.5625% | 1,388 |
| Total domestic deposits to total assets | 89.4199% | 754 |
| Equity capital to assets | 9.4404% | 4,469 |
| Core capital (leverage) ratio | 9.5900% | 4,025 |
| Tier 1 risk-based capital ratio | 11.8463% | 4,732 |
| Total risk-based capital ratio | 13.0069% | 4,688 |
| Memoranda: | ||
| Average total assets | $596,678,670 | 1,206 |
| Average earning assets | $551,327,000 | 1,212 |
| Average equity | $56,260,670 | 1,410 |
| Average total loans | $468,076,670 | 1,097 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1495% | 2,473 |
| Cost of funding earning assets | 0.3781% | 3,221 |
| Net interest margin | 3.7714% | 2,215 |
| Noninterest income to average assets | 1.1587% | 753 |
| Noninterest expense to average assets | 3.1628% | 1,713 |
| Loan and lease loss provision to assets | 0.0504% | 2,797 |
| Net operating income to assets | 0.9169% | 2,677 |
| Return on assets (ROA) | 0.9388% | 2,626 |
| Pretax return on assets | 1.4681% | 1,641 |
| Return on Equity (ROE) | 9.9627% | 1,980 |
| Retained earnings to average equity (ytd only) | 2.8261% | 3,998 |
| Net charge-offs to loans | 0.0320% | 2,129 |
| Credit loss provision to net charge-offs | 202.7027% | 1,007 |
| Earnings coverage of net charge-offs (x) | 59.6486% | 806 |
| Efficiency ratio | 68.0608% | 3,184 |
| Assets per employee ($millions) | 3.1466% | 5,226 |
| Cash dividends to net income (ytd only)* | 71.6332% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 3,069 |
| Loan loss allowance to noncurrent loans | 379.8917% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 3,776 |
| Noncurrent loans to loans | 0.3185% | 3,980 |
| Net loans and leases to total assets | 76.6162% | 1,317 |
| Net loans and leases to deposits | 85.8134% | 2,051 |
| Net loans and leases to core deposits | 96.9400% | 1,753 |
| Total domestic deposits to total assets | 89.2823% | 1,014 |
| Equity capital to assets | 9.4073% | 4,382 |
| Core capital (leverage) ratio | 9.4125% | 4,222 |
| Tier 1 risk-based capital ratio | 12.1651% | 4,608 |
| Total risk-based capital ratio | 13.3815% | 4,527 |
| Memoranda: | ||
| Average total assets | $594,798,500 | 1,214 |
| Average earning assets | $550,143,000 | 1,209 |
| Average equity | $56,049,000 | 1,402 |
| Average total loans | $462,582,000 | 1,107 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 2,201 |
| Cost of funding earning assets | 0.4015% | 2,985 |
| Net interest margin | 3.8815% | 2,023 |
| Noninterest income to average assets | 1.0275% | 1,073 |
| Noninterest expense to average assets | 3.1920% | 1,809 |
| Loan and lease loss provision to assets | 0.0339% | 3,685 |
| Net operating income to assets | 0.8827% | 2,915 |
| Return on assets (ROA) | 0.8827% | 3,032 |
| Pretax return on assets | 1.3930% | 1,971 |
| Return on Equity (ROE) | 9.5061% | 2,190 |
| Retained earnings to average equity (ytd only) | 2.9351% | 3,809 |
| Net charge-offs to loans | 0.0625% | 2,806 |
| Credit loss provision to net charge-offs | 69.2042% | 3,143 |
| Earnings coverage of net charge-offs (x) | 29.1315% | 1,456 |
| Efficiency ratio | 69.1069% | 3,054 |
| Assets per employee ($millions) | 3.1309% | 5,237 |
| Cash dividends to net income (ytd only)* | 69.1244% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 3,074 |
| Loan loss allowance to noncurrent loans | 420.2866% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 4,249 |
| Noncurrent loans to loans | 0.2875% | 4,119 |
| Net loans and leases to total assets | 77.0133% | 1,362 |
| Net loans and leases to deposits | 86.2966% | 2,133 |
| Net loans and leases to core deposits | 99.3573% | 1,678 |
| Total domestic deposits to total assets | 89.2426% | 986 |
| Equity capital to assets | 9.4392% | 4,339 |
| Core capital (leverage) ratio | 9.3916% | 4,229 |
| Tier 1 risk-based capital ratio | 12.2160% | 4,564 |
| Total risk-based capital ratio | 13.4403% | 4,466 |
| Memoranda: | ||
| Average total assets | $590,001,800 | 1,188 |
| Average earning assets | $545,917,000 | 1,178 |
| Average equity | $54,785,600 | 1,405 |
| Average total loans | $462,294,000 | 1,052 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 2,251 |
| Cost of funding earning assets | 0.3991% | 3,029 |
| Net interest margin | 3.8738% | 2,072 |
| Noninterest income to average assets | 1.0116% | 1,125 |
| Noninterest expense to average assets | 3.2016% | 1,768 |
| Loan and lease loss provision to assets | 0.0113% | 4,016 |
| Net operating income to assets | 0.8863% | 2,975 |
| Return on assets (ROA) | 0.8863% | 3,108 |
| Pretax return on assets | 1.3856% | 2,096 |
| Return on Equity (ROE) | 9.5843% | 2,235 |
| Retained earnings to average equity (ytd only) | 0.7801% | 5,153 |
| Net charge-offs to loans | 0.0574% | 2,537 |
| Credit loss provision to net charge-offs | 25.1256% | 3,260 |
| Earnings coverage of net charge-offs (x) | 31.0398% | 1,455 |
| Efficiency ratio | 69.6223% | 2,946 |
| Assets per employee ($millions) | 3.1146% | 5,273 |
| Cash dividends to net income (ytd only)* | 91.8602% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 3,398 |
| Loan loss allowance to noncurrent loans | 374.7791% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 3,900 |
| Noncurrent loans to loans | 0.3137% | 4,128 |
| Net loans and leases to total assets | 78.3177% | 1,144 |
| Net loans and leases to deposits | 87.5830% | 2,070 |
| Net loans and leases to core deposits | 104.2042% | 1,329 |
| Total domestic deposits to total assets | 89.4211% | 718 |
| Equity capital to assets | 9.2292% | 4,946 |
| Core capital (leverage) ratio | 9.4332% | 4,281 |
| Tier 1 risk-based capital ratio | 11.8721% | 4,873 |
| Total risk-based capital ratio | 13.0735% | 4,798 |
| Memoranda: | ||
| Average total assets | $589,568,750 | 1,182 |
| Average earning assets | $545,916,000 | 1,182 |
| Average equity | $54,518,250 | 1,418 |
| Average total loans | $462,545,750 | 1,053 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 2,009 |
| Cost of funding earning assets | 0.4051% | 2,982 |
| Net interest margin | 3.9379% | 1,848 |
| Noninterest income to average assets | 0.8777% | 1,445 |
| Noninterest expense to average assets | 3.2036% | 1,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8430% | 3,120 |
| Return on assets (ROA) | 0.8430% | 3,250 |
| Pretax return on assets | 1.3192% | 2,332 |
| Return on Equity (ROE) | 9.1107% | 2,447 |
| Retained earnings to average equity (ytd only) | 1.7693% | 4,670 |
| Net charge-offs to loans | 0.0043% | 3,555 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 388.4000% | 179 |
| Efficiency ratio | 70.8321% | 2,854 |
| Assets per employee ($millions) | 3.0388% | 5,381 |
| Cash dividends to net income (ytd only)* | 80.5802% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 3,288 |
| Loan loss allowance to noncurrent loans | 377.0514% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 3,945 |
| Noncurrent loans to loans | 0.3215% | 4,220 |
| Net loans and leases to total assets | 80.1966% | 868 |
| Net loans and leases to deposits | 89.6049% | 1,795 |
| Net loans and leases to core deposits | 102.2915% | 1,449 |
| Total domestic deposits to total assets | 89.5002% | 683 |
| Equity capital to assets | 9.5360% | 4,727 |
| Core capital (leverage) ratio | 9.2782% | 4,487 |
| Tier 1 risk-based capital ratio | 11.8242% | 4,958 |
| Total risk-based capital ratio | 13.0464% | 4,855 |
| Memoranda: | ||
| Average total assets | $588,830,670 | 1,194 |
| Average earning assets | $545,069,000 | 1,191 |
| Average equity | $54,485,330 | 1,421 |
| Average total loans | $460,399,670 | 1,054 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2460% | 2,315 |
| Cost of funding earning assets | 0.4083% | 2,983 |
| Net interest margin | 3.8377% | 2,149 |
| Noninterest income to average assets | 0.8925% | 1,333 |
| Noninterest expense to average assets | 3.2157% | 1,804 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7918% | 3,287 |
| Return on assets (ROA) | 0.7918% | 3,391 |
| Pretax return on assets | 1.2280% | 2,588 |
| Return on Equity (ROE) | 8.6855% | 2,565 |
| Retained earnings to average equity (ytd only) | 1.3249% | 4,729 |
| Net charge-offs to loans | 0.0052% | 2,935 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 305.0000% | 195 |
| Efficiency ratio | 72.3648% | 2,747 |
| Assets per employee ($millions) | 3.2103% | 5,265 |
| Cash dividends to net income (ytd only)* | 84.7458% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 3,316 |
| Loan loss allowance to noncurrent loans | 635.5056% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 4,454 |
| Noncurrent loans to loans | 0.1933% | 4,722 |
| Net loans and leases to total assets | 76.1488% | 1,372 |
| Net loans and leases to deposits | 84.5047% | 2,251 |
| Net loans and leases to core deposits | 97.0295% | 1,706 |
| Total domestic deposits to total assets | 90.1119% | 555 |
| Equity capital to assets | 9.1211% | 5,065 |
| Core capital (leverage) ratio | 9.1544% | 4,648 |
| Tier 1 risk-based capital ratio | 11.6039% | 5,171 |
| Total risk-based capital ratio | 12.8116% | 5,098 |
| Memoranda: | ||
| Average total assets | $596,077,500 | 1,187 |
| Average earning assets | $551,577,000 | 1,177 |
| Average equity | $54,343,500 | 1,421 |
| Average total loans | $457,474,000 | 1,056 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2437% | 2,406 |
| Cost of funding earning assets | 0.4830% | 2,329 |
| Net interest margin | 3.7607% | 2,520 |
| Noninterest income to average assets | 0.7146% | 2,127 |
| Noninterest expense to average assets | 3.1581% | 2,067 |
| Loan and lease loss provision to assets | 0.0527% | 3,257 |
| Net operating income to assets | 0.6617% | 3,987 |
| Return on assets (ROA) | 0.6638% | 4,070 |
| Pretax return on assets | 0.9518% | 3,646 |
| Return on Equity (ROE) | 7.3228% | 3,348 |
| Retained earnings to average equity (ytd only) | 3.5857% | 3,505 |
| Net charge-offs to loans | 0.0615% | 2,995 |
| Credit loss provision to net charge-offs | 111.8705% | 2,261 |
| Earnings coverage of net charge-offs (x) | 21.2662% | 1,823 |
| Efficiency ratio | 75.9254% | 2,285 |
| Assets per employee ($millions) | 3.1484% | 5,361 |
| Cash dividends to net income (ytd only)* | 51.0334% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 3,207 |
| Loan loss allowance to noncurrent loans | 547.0531% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 3,548 |
| Noncurrent loans to loans | 0.2277% | 4,613 |
| Net loans and leases to total assets | 75.4460% | 1,506 |
| Net loans and leases to deposits | 83.3325% | 2,447 |
| Net loans and leases to core deposits | 96.0965% | 1,838 |
| Total domestic deposits to total assets | 90.5362% | 426 |
| Equity capital to assets | 9.1126% | 5,006 |
| Core capital (leverage) ratio | 9.1249% | 4,720 |
| Tier 1 risk-based capital ratio | 11.9702% | 4,967 |
| Total risk-based capital ratio | 13.2201% | 4,872 |
| Memoranda: | ||
| Average total assets | $590,381,600 | 1,158 |
| Average earning assets | $540,805,200 | 1,166 |
| Average equity | $53,517,600 | 1,397 |
| Average total loans | $452,027,200 | 1,020 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2424% | 2,437 |
| Cost of funding earning assets | 0.4952% | 2,260 |
| Net interest margin | 3.7473% | 2,572 |
| Noninterest income to average assets | 0.7501% | 2,024 |
| Noninterest expense to average assets | 3.1494% | 2,086 |
| Loan and lease loss provision to assets | 0.0588% | 3,008 |
| Net operating income to assets | 0.6280% | 4,249 |
| Return on assets (ROA) | 0.6307% | 4,346 |
| Pretax return on assets | 0.9692% | 3,747 |
| Return on Equity (ROE) | 6.9663% | 3,637 |
| Retained earnings to average equity (ytd only) | 3.2170% | 4,171 |
| Net charge-offs to loans | 0.0192% | 3,555 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 69.6190% | 818 |
| Efficiency ratio | 75.4649% | 2,325 |
| Assets per employee ($millions) | 3.1467% | 5,367 |
| Cash dividends to net income (ytd only)* | 53.8213% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 3,117 |
| Loan loss allowance to noncurrent loans | 515.3982% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6454% | 3,325 |
| Noncurrent loans to loans | 0.2515% | 4,672 |
| Net loans and leases to total assets | 76.1931% | 1,360 |
| Net loans and leases to deposits | 85.1135% | 2,267 |
| Net loans and leases to core deposits | 99.9905% | 1,520 |
| Total domestic deposits to total assets | 89.5194% | 764 |
| Equity capital to assets | 9.2120% | 5,101 |
| Core capital (leverage) ratio | 9.1215% | 4,848 |
| Tier 1 risk-based capital ratio | 11.8439% | 5,172 |
| Total risk-based capital ratio | 13.0947% | 5,097 |
| Memoranda: | ||
| Average total assets | $589,216,000 | 1,163 |
| Average earning assets | $538,262,000 | 1,180 |
| Average equity | $53,341,000 | 1,408 |
| Average total loans | $451,384,250 | 1,026 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 2,435 |
| Cost of funding earning assets | 0.5054% | 2,203 |
| Net interest margin | 3.7232% | 2,612 |
| Noninterest income to average assets | 0.6833% | 2,286 |
| Noninterest expense to average assets | 3.1093% | 2,221 |
| Loan and lease loss provision to assets | 0.0338% | 3,438 |
| Net operating income to assets | 0.6248% | 4,238 |
| Return on assets (ROA) | 0.6288% | 4,335 |
| Pretax return on assets | 0.9409% | 3,805 |
| Return on Equity (ROE) | 6.9864% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.9864% | 1,707 |
| Net charge-offs to loans | 0.0310% | 3,041 |
| Credit loss provision to net charge-offs | 142.8571% | 1,574 |
| Earnings coverage of net charge-offs (x) | 40.9286% | 1,120 |
| Efficiency ratio | 76.2477% | 2,318 |
| Assets per employee ($millions) | 3.2081% | 5,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 3,480 |
| Loan loss allowance to noncurrent loans | 496.8393% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 3,169 |
| Noncurrent loans to loans | 0.2527% | 4,766 |
| Net loans and leases to total assets | 75.8253% | 1,386 |
| Net loans and leases to deposits | 84.6535% | 2,228 |
| Net loans and leases to core deposits | 99.6970% | 1,516 |
| Total domestic deposits to total assets | 89.5714% | 861 |
| Equity capital to assets | 9.2285% | 4,982 |
| Core capital (leverage) ratio | 9.2079% | 4,678 |
| Tier 1 risk-based capital ratio | 11.8362% | 5,254 |
| Total risk-based capital ratio | 13.0730% | 5,164 |
| Memoranda: | ||
| Average total assets | $591,577,000 | 1,160 |
| Average earning assets | $539,380,670 | 1,177 |
| Average equity | $53,246,000 | 1,423 |
| Average total loans | $452,056,000 | 1,025 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1765% | 2,545 |
| Cost of funding earning assets | 0.5098% | 2,204 |
| Net interest margin | 3.6666% | 2,746 |
| Noninterest income to average assets | 0.7127% | 2,114 |
| Noninterest expense to average assets | 3.1026% | 2,262 |
| Loan and lease loss provision to assets | 0.0674% | 2,595 |
| Net operating income to assets | 0.5995% | 4,292 |
| Return on assets (ROA) | 0.5995% | 4,390 |
| Pretax return on assets | 0.9046% | 3,874 |
| Return on Equity (ROE) | 6.7450% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.7450% | 2,127 |
| Net charge-offs to loans | 0.0698% | 2,031 |
| Credit loss provision to net charge-offs | 126.5823% | 1,396 |
| Earnings coverage of net charge-offs (x) | 18.2658% | 1,495 |
| Efficiency ratio | 76.1448% | 2,496 |
| Assets per employee ($millions) | 3.2638% | 5,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 3,699 |
| Loan loss allowance to noncurrent loans | 426.0935% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.8868% | 2,858 |
| Noncurrent loans to loans | 0.2930% | 4,734 |
| Net loans and leases to total assets | 75.6559% | 1,260 |
| Net loans and leases to deposits | 84.4500% | 2,008 |
| Net loans and leases to core deposits | 99.1501% | 1,381 |
| Total domestic deposits to total assets | 89.5866% | 948 |
| Equity capital to assets | 9.0128% | 5,274 |
| Core capital (leverage) ratio | 9.0327% | 4,910 |
| Tier 1 risk-based capital ratio | 11.6372% | 5,477 |
| Total risk-based capital ratio | 12.8734% | 5,396 |
| Memoranda: | ||
| Average total assets | $593,822,500 | 1,163 |
| Average earning assets | $544,478,500 | 1,165 |
| Average equity | $52,779,500 | 1,436 |
| Average total loans | $452,674,500 | 1,028 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 2,166 |
| Cost of funding earning assets | 0.5403% | 2,286 |
| Net interest margin | 3.8782% | 2,322 |
| Noninterest income to average assets | 0.7997% | 1,877 |
| Noninterest expense to average assets | 3.1788% | 2,264 |
| Loan and lease loss provision to assets | 0.1489% | 1,759 |
| Net operating income to assets | 0.8612% | 3,057 |
| Return on assets (ROA) | 0.8626% | 3,145 |
| Pretax return on assets | 0.9834% | 3,566 |
| Return on Equity (ROE) | 9.3484% | 2,415 |
| Retained earnings to average equity (ytd only) | 2.5446% | 4,426 |
| Net charge-offs to loans | 0.1877% | 2,171 |
| Credit loss provision to net charge-offs | 100.9732% | 2,367 |
| Earnings coverage of net charge-offs (x) | 7.6679% | 2,995 |
| Efficiency ratio | 73.7637% | 2,872 |
| Assets per employee ($millions) | 3.3346% | 5,212 |
| Cash dividends to net income (ytd only)* | 72.7802% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 3,751 |
| Loan loss allowance to noncurrent loans | 152.1763% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.3465% | 2,081 |
| Noncurrent loans to loans | 0.8170% | 3,274 |
| Net loans and leases to total assets | 74.9098% | 1,432 |
| Net loans and leases to deposits | 83.4723% | 2,276 |
| Net loans and leases to core deposits | 96.7517% | 1,657 |
| Total domestic deposits to total assets | 89.7422% | 857 |
| Equity capital to assets | 8.7646% | 5,519 |
| Core capital (leverage) ratio | 9.0369% | 4,936 |
| Tier 1 risk-based capital ratio | 12.1389% | 5,272 |
| Total risk-based capital ratio | 13.3897% | 5,175 |
| Memoranda: | ||
| Average total assets | $557,481,800 | 1,196 |
| Average earning assets | $504,507,600 | 1,219 |
| Average equity | $51,442,000 | 1,411 |
| Average total loans | $437,956,400 | 1,007 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4681% | 1,985 |
| Cost of funding earning assets | 0.5428% | 2,348 |
| Net interest margin | 3.9253% | 2,137 |
| Noninterest income to average assets | 0.8034% | 1,883 |
| Noninterest expense to average assets | 3.2113% | 2,137 |
| Loan and lease loss provision to assets | 0.1619% | 1,538 |
| Net operating income to assets | 0.9321% | 2,771 |
| Return on assets (ROA) | 0.9342% | 2,847 |
| Pretax return on assets | 0.9731% | 3,702 |
| Return on Equity (ROE) | 9.9873% | 2,223 |
| Retained earnings to average equity (ytd only) | 0.8772% | 5,533 |
| Net charge-offs to loans | 0.2088% | 1,801 |
| Credit loss provision to net charge-offs | 97.7941% | 2,279 |
| Earnings coverage of net charge-offs (x) | 6.8427% | 3,015 |
| Efficiency ratio | 73.9225% | 2,832 |
| Assets per employee ($millions) | 3.0585% | 5,665 |
| Cash dividends to net income (ytd only)* | 91.2171% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 3,952 |
| Loan loss allowance to noncurrent loans | 338.5266% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 1.1600% | 2,627 |
| Noncurrent loans to loans | 0.3692% | 4,806 |
| Net loans and leases to total assets | 79.5699% | 762 |
| Net loans and leases to deposits | 89.3187% | 1,504 |
| Net loans and leases to core deposits | 105.3196% | 999 |
| Total domestic deposits to total assets | 89.0854% | 1,188 |
| Equity capital to assets | 9.2160% | 5,131 |
| Core capital (leverage) ratio | 9.1268% | 4,886 |
| Tier 1 risk-based capital ratio | 12.0480% | 5,455 |
| Total risk-based capital ratio | 13.2988% | 5,370 |
| Memoranda: | ||
| Average total assets | $547,627,500 | 1,228 |
| Average earning assets | $493,983,000 | 1,255 |
| Average equity | $51,223,500 | 1,423 |
| Average total loans | $434,254,250 | 1,018 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4428% | 2,018 |
| Cost of funding earning assets | 0.5382% | 2,454 |
| Net interest margin | 3.9046% | 2,142 |
| Noninterest income to average assets | 0.8534% | 1,641 |
| Noninterest expense to average assets | 3.2309% | 2,099 |
| Loan and lease loss provision to assets | 0.1836% | 1,332 |
| Net operating income to assets | 0.9522% | 2,544 |
| Return on assets (ROA) | 0.9555% | 2,618 |
| Pretax return on assets | 0.9592% | 3,648 |
| Return on Equity (ROE) | 10.1645% | 2,073 |
| Retained earnings to average equity (ytd only) | 4.3049% | 3,432 |
| Net charge-offs to loans | 0.2612% | 1,504 |
| Credit loss provision to net charge-offs | 89.1266% | 2,193 |
| Earnings coverage of net charge-offs (x) | 5.5312% | 2,912 |
| Efficiency ratio | 73.9266% | 2,982 |
| Assets per employee ($millions) | 3.1291% | 5,547 |
| Cash dividends to net income (ytd only)* | 57.6480% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 4,055 |
| Loan loss allowance to noncurrent loans | 331.5444% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 1.2099% | 2,667 |
| Noncurrent loans to loans | 0.3815% | 4,850 |
| Net loans and leases to total assets | 77.4923% | 980 |
| Net loans and leases to deposits | 86.9481% | 1,716 |
| Net loans and leases to core deposits | 102.4769% | 1,106 |
| Total domestic deposits to total assets | 89.1247% | 1,288 |
| Equity capital to assets | 9.2976% | 4,988 |
| Core capital (leverage) ratio | 9.3600% | 4,518 |
| Tier 1 risk-based capital ratio | 12.4127% | 5,289 |
| Total risk-based capital ratio | 13.6635% | 5,208 |
| Memoranda: | ||
| Average total assets | $544,620,000 | 1,234 |
| Average earning assets | $490,544,330 | 1,259 |
| Average equity | $51,197,670 | 1,421 |
| Average total loans | $429,495,000 | 1,023 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4414% | 1,983 |
| Cost of funding earning assets | 0.5227% | 2,683 |
| Net interest margin | 3.9187% | 2,021 |
| Noninterest income to average assets | 0.9477% | 1,264 |
| Noninterest expense to average assets | 3.3915% | 1,725 |
| Loan and lease loss provision to assets | 0.2235% | 1,006 |
| Net operating income to assets | 0.8509% | 2,892 |
| Return on assets (ROA) | 0.8509% | 2,965 |
| Pretax return on assets | 0.8740% | 3,814 |
| Return on Equity (ROE) | 8.9996% | 2,463 |
| Retained earnings to average equity (ytd only) | -2.8212% | 5,947 |
| Net charge-offs to loans | 0.4279% | 853 |
| Credit loss provision to net charge-offs | 66.0793% | 2,043 |
| Earnings coverage of net charge-offs (x) | 3.2445% | 2,713 |
| Efficiency ratio | 75.5519% | 2,868 |
| Assets per employee ($millions) | 3.0753% | 5,734 |
| Cash dividends to net income (ytd only)* | 131.3485% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 4,185 |
| Loan loss allowance to noncurrent loans | 240.4134% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 1.4255% | 2,489 |
| Noncurrent loans to loans | 0.5359% | 4,565 |
| Net loans and leases to total assets | 76.0906% | 994 |
| Net loans and leases to deposits | 85.1339% | 1,711 |
| Net loans and leases to core deposits | 99.1796% | 1,157 |
| Total domestic deposits to total assets | 89.3776% | 1,430 |
| Equity capital to assets | 9.1893% | 4,883 |
| Core capital (leverage) ratio | 9.5137% | 4,259 |
| Tier 1 risk-based capital ratio | 12.4895% | 5,320 |
| Total risk-based capital ratio | 13.7412% | 5,256 |
| Memoranda: | ||
| Average total assets | $536,872,500 | 1,260 |
| Average earning assets | $485,164,500 | 1,277 |
| Average equity | $50,758,000 | 1,426 |
| Average total loans | $424,439,500 | 1,038 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5849% | 1,919 |
| Cost of funding earning assets | 0.5418% | 3,178 |
| Net interest margin | 4.0430% | 1,830 |
| Noninterest income to average assets | 0.9746% | 1,449 |
| Noninterest expense to average assets | 3.4994% | 1,652 |
| Loan and lease loss provision to assets | 0.1832% | 2,011 |
| Net operating income to assets | 0.9239% | 2,668 |
| Return on assets (ROA) | 0.9239% | 2,755 |
| Pretax return on assets | 0.9366% | 3,610 |
| Return on Equity (ROE) | 9.5456% | 2,311 |
| Retained earnings to average equity (ytd only) | 3.1699% | 3,980 |
| Net charge-offs to loans | 0.2553% | 2,439 |
| Credit loss provision to net charge-offs | 91.0834% | 2,724 |
| Earnings coverage of net charge-offs (x) | 5.5676% | 3,266 |
| Efficiency ratio | 75.6074% | 2,844 |
| Assets per employee ($millions) | 2.9397% | 5,924 |
| Cash dividends to net income (ytd only)* | 66.7919% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 4,013 |
| Loan loss allowance to noncurrent loans | 279.2350% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 1.4842% | 2,506 |
| Noncurrent loans to loans | 0.4742% | 4,809 |
| Net loans and leases to total assets | 80.0603% | 592 |
| Net loans and leases to deposits | 90.2037% | 1,222 |
| Net loans and leases to core deposits | 103.9821% | 911 |
| Total domestic deposits to total assets | 88.7551% | 1,775 |
| Equity capital to assets | 9.7332% | 4,127 |
| Core capital (leverage) ratio | 9.8406% | 3,790 |
| Tier 1 risk-based capital ratio | 12.5989% | 5,233 |
| Total risk-based capital ratio | 13.8512% | 5,178 |
| Memoranda: | ||
| Average total assets | $518,578,400 | 1,279 |
| Average earning assets | $467,474,200 | 1,306 |
| Average equity | $50,190,800 | 1,413 |
| Average total loans | $408,499,800 | 1,043 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5774% | 1,968 |
| Cost of funding earning assets | 0.5463% | 3,301 |
| Net interest margin | 4.0311% | 1,842 |
| Noninterest income to average assets | 0.9908% | 1,482 |
| Noninterest expense to average assets | 3.5213% | 1,561 |
| Loan and lease loss provision to assets | 0.2062% | 1,762 |
| Net operating income to assets | 0.8826% | 2,921 |
| Return on assets (ROA) | 0.8826% | 3,035 |
| Pretax return on assets | 0.8931% | 3,917 |
| Return on Equity (ROE) | 9.1320% | 2,575 |
| Retained earnings to average equity (ytd only) | 0.5999% | 5,727 |
| Net charge-offs to loans | 0.1582% | 2,967 |
| Credit loss provision to net charge-offs | 166.6667% | 1,427 |
| Earnings coverage of net charge-offs (x) | 8.8876% | 2,560 |
| Efficiency ratio | 76.0080% | 2,730 |
| Assets per employee ($millions) | 2.8697% | 6,053 |
| Cash dividends to net income (ytd only)* | 93.4307% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 3,624 |
| Loan loss allowance to noncurrent loans | 192.5335% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 1.6962% | 2,426 |
| Noncurrent loans to loans | 0.7606% | 4,327 |
| Net loans and leases to total assets | 79.0454% | 644 |
| Net loans and leases to deposits | 89.0392% | 1,263 |
| Net loans and leases to core deposits | 102.7050% | 947 |
| Total domestic deposits to total assets | 88.7760% | 1,679 |
| Equity capital to assets | 9.6451% | 4,362 |
| Core capital (leverage) ratio | 9.5608% | 4,313 |
| Tier 1 risk-based capital ratio | 12.6507% | 5,359 |
| Total risk-based capital ratio | 13.9046% | 5,302 |
| Memoranda: | ||
| Average total assets | $517,408,500 | 1,292 |
| Average earning assets | $465,902,250 | 1,316 |
| Average equity | $50,006,000 | 1,428 |
| Average total loans | $404,489,000 | 1,056 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 2,167 |
| Cost of funding earning assets | 0.5481% | 3,437 |
| Net interest margin | 3.9622% | 1,998 |
| Noninterest income to average assets | 1.0277% | 1,442 |
| Noninterest expense to average assets | 3.5129% | 1,577 |
| Loan and lease loss provision to assets | 0.2314% | 1,617 |
| Net operating income to assets | 0.8422% | 3,085 |
| Return on assets (ROA) | 0.8422% | 3,242 |
| Pretax return on assets | 0.8541% | 4,098 |
| Return on Equity (ROE) | 8.7081% | 2,754 |
| Retained earnings to average equity (ytd only) | 3.9234% | 3,796 |
| Net charge-offs to loans | 0.1791% | 2,684 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 7.8194% | 2,498 |
| Efficiency ratio | 76.1342% | 2,768 |
| Assets per employee ($millions) | 2.8850% | 6,044 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 3,684 |
| Loan loss allowance to noncurrent loans | 83.2727% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 2.4887% | 1,701 |
| Noncurrent loans to loans | 1.7741% | 2,669 |
| Net loans and leases to total assets | 76.0388% | 981 |
| Net loans and leases to deposits | 85.6109% | 1,608 |
| Net loans and leases to core deposits | 98.0548% | 1,213 |
| Total domestic deposits to total assets | 88.8191% | 1,722 |
| Equity capital to assets | 9.6374% | 4,403 |
| Core capital (leverage) ratio | 9.6472% | 4,013 |
| Tier 1 risk-based capital ratio | 13.1319% | 5,044 |
| Total risk-based capital ratio | 14.3868% | 4,984 |
| Memoranda: | ||
| Average total assets | $518,655,330 | 1,291 |
| Average earning assets | $467,419,000 | 1,307 |
| Average equity | $50,160,000 | 1,427 |
| Average total loans | $401,963,670 | 1,055 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5915% | 1,848 |
| Cost of funding earning assets | 0.5476% | 3,597 |
| Net interest margin | 4.0439% | 1,633 |
| Noninterest income to average assets | 1.0904% | 1,242 |
| Noninterest expense to average assets | 3.5729% | 1,468 |
| Loan and lease loss provision to assets | 0.2322% | 1,573 |
| Net operating income to assets | 0.9333% | 2,506 |
| Return on assets (ROA) | 0.9333% | 2,649 |
| Pretax return on assets | 0.9255% | 3,669 |
| Return on Equity (ROE) | 9.6332% | 2,218 |
| Retained earnings to average equity (ytd only) | 9.6332% | 1,207 |
| Net charge-offs to loans | 0.1455% | 2,530 |
| Credit loss provision to net charge-offs | 205.4795% | 1,064 |
| Earnings coverage of net charge-offs (x) | 10.2466% | 1,765 |
| Efficiency ratio | 75.2658% | 3,046 |
| Assets per employee ($millions) | 2.8538% | 6,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 3,983 |
| Loan loss allowance to noncurrent loans | 120.0982% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 2.0761% | 2,259 |
| Noncurrent loans to loans | 1.2139% | 3,742 |
| Net loans and leases to total assets | 75.9464% | 848 |
| Net loans and leases to deposits | 85.3916% | 1,430 |
| Net loans and leases to core deposits | 96.2520% | 1,188 |
| Total domestic deposits to total assets | 88.9390% | 1,713 |
| Equity capital to assets | 9.7036% | 4,562 |
| Core capital (leverage) ratio | 9.8421% | 3,611 |
| Tier 1 risk-based capital ratio | 13.1996% | 5,069 |
| Total risk-based capital ratio | 14.4545% | 5,019 |
| Memoranda: | ||
| Average total assets | $516,886,000 | 1,308 |
| Average earning assets | $465,293,500 | 1,321 |
| Average equity | $50,077,000 | 1,452 |
| Average total loans | $401,433,500 | 1,056 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8394% | 2,063 |
| Cost of funding earning assets | 0.6236% | 4,149 |
| Net interest margin | 4.2158% | 1,616 |
| Noninterest income to average assets | 0.9994% | 1,535 |
| Noninterest expense to average assets | 3.5822% | 1,652 |
| Loan and lease loss provision to assets | 0.2522% | 2,640 |
| Net operating income to assets | 0.9297% | 2,649 |
| Return on assets (ROA) | 0.9312% | 2,887 |
| Pretax return on assets | 0.9489% | 3,749 |
| Return on Equity (ROE) | 9.4477% | 2,425 |
| Retained earnings to average equity (ytd only) | -0.0959% | 5,866 |
| Net charge-offs to loans | 0.6111% | 1,910 |
| Credit loss provision to net charge-offs | 53.0021% | 4,618 |
| Earnings coverage of net charge-offs (x) | 2.5213% | 4,158 |
| Efficiency ratio | 74.6591% | 2,957 |
| Assets per employee ($millions) | 2.8577% | 6,230 |
| Cash dividends to net income (ytd only)* | 101.0154% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 4,029 |
| Loan loss allowance to noncurrent loans | 80.2303% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 2.5998% | 1,868 |
| Noncurrent loans to loans | 1.7788% | 2,950 |
| Net loans and leases to total assets | 77.1530% | 774 |
| Net loans and leases to deposits | 86.7697% | 1,408 |
| Net loans and leases to core deposits | 95.7348% | 1,329 |
| Total domestic deposits to total assets | 88.9171% | 1,620 |
| Equity capital to assets | 9.6725% | 4,631 |
| Core capital (leverage) ratio | 9.8214% | 3,639 |
| Tier 1 risk-based capital ratio | 12.9229% | 5,169 |
| Total risk-based capital ratio | 14.1764% | 5,106 |
| Memoranda: | ||
| Average total assets | $507,621,800 | 1,317 |
| Average earning assets | $455,432,200 | 1,343 |
| Average equity | $50,033,600 | 1,421 |
| Average total loans | $395,165,000 | 1,055 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8692% | 2,124 |
| Cost of funding earning assets | 0.6407% | 4,274 |
| Net interest margin | 4.2284% | 1,649 |
| Noninterest income to average assets | 1.0127% | 1,468 |
| Noninterest expense to average assets | 3.5390% | 1,674 |
| Loan and lease loss provision to assets | 0.2842% | 2,294 |
| Net operating income to assets | 0.9587% | 2,711 |
| Return on assets (ROA) | 0.9608% | 2,913 |
| Pretax return on assets | 0.9845% | 3,778 |
| Return on Equity (ROE) | 9.7023% | 2,500 |
| Retained earnings to average equity (ytd only) | -2.9843% | 6,479 |
| Net charge-offs to loans | 0.8043% | 1,364 |
| Credit loss provision to net charge-offs | 45.4545% | 4,503 |
| Earnings coverage of net charge-offs (x) | 2.0257% | 4,256 |
| Efficiency ratio | 73.3859% | 3,086 |
| Assets per employee ($millions) | 2.8252% | 6,326 |
| Cash dividends to net income (ytd only)* | 130.7586% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 4,328 |
| Loan loss allowance to noncurrent loans | 73.8333% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 2.8145% | 1,869 |
| Noncurrent loans to loans | 1.9120% | 2,948 |
| Net loans and leases to total assets | 77.5527% | 782 |
| Net loans and leases to deposits | 87.2350% | 1,451 |
| Net loans and leases to core deposits | 96.1690% | 1,402 |
| Total domestic deposits to total assets | 88.9010% | 1,485 |
| Equity capital to assets | 9.6826% | 4,941 |
| Core capital (leverage) ratio | 9.5774% | 4,154 |
| Tier 1 risk-based capital ratio | 12.7785% | 5,422 |
| Total risk-based capital ratio | 14.0315% | 5,378 |
| Memoranda: | ||
| Average total assets | $506,643,750 | 1,335 |
| Average earning assets | $454,467,000 | 1,361 |
| Average equity | $50,172,500 | 1,426 |
| Average total loans | $393,861,750 | 1,070 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8735% | 2,216 |
| Cost of funding earning assets | 0.6537% | 4,409 |
| Net interest margin | 4.2199% | 1,697 |
| Noninterest income to average assets | 1.0046% | 1,453 |
| Noninterest expense to average assets | 3.5048% | 1,774 |
| Loan and lease loss provision to assets | 0.2948% | 2,220 |
| Net operating income to assets | 0.9504% | 2,656 |
| Return on assets (ROA) | 0.9504% | 2,915 |
| Pretax return on assets | 0.9858% | 3,763 |
| Return on Equity (ROE) | 9.5277% | 2,562 |
| Retained earnings to average equity (ytd only) | 9.5277% | 1,107 |
| Net charge-offs to loans | 1.1822% | 916 |
| Credit loss provision to net charge-offs | 32.2027% | 4,404 |
| Earnings coverage of net charge-offs (x) | 1.3989% | 4,306 |
| Efficiency ratio | 72.9856% | 3,242 |
| Assets per employee ($millions) | 2.8965% | 6,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 4,798 |
| Loan loss allowance to noncurrent loans | 75.5664% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 2.7616% | 1,995 |
| Noncurrent loans to loans | 1.7484% | 3,276 |
| Net loans and leases to total assets | 78.0999% | 707 |
| Net loans and leases to deposits | 88.4847% | 1,326 |
| Net loans and leases to core deposits | 97.7192% | 1,295 |
| Total domestic deposits to total assets | 88.2637% | 1,977 |
| Equity capital to assets | 10.3108% | 3,923 |
| Core capital (leverage) ratio | 9.9576% | 3,475 |
| Tier 1 risk-based capital ratio | 13.1857% | 5,048 |
| Total risk-based capital ratio | 14.4375% | 5,023 |
| Memoranda: | ||
| Average total assets | $508,838,000 | 1,333 |
| Average earning assets | $455,892,000 | 1,353 |
| Average equity | $50,757,000 | 1,402 |
| Average total loans | $394,027,670 | 1,070 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8754% | 2,336 |
| Cost of funding earning assets | 0.6694% | 4,540 |
| Net interest margin | 4.2060% | 1,742 |
| Noninterest income to average assets | 0.9811% | 1,475 |
| Noninterest expense to average assets | 3.4604% | 1,844 |
| Loan and lease loss provision to assets | 0.2347% | 2,594 |
| Net operating income to assets | 0.9936% | 2,506 |
| Return on assets (ROA) | 0.9936% | 2,699 |
| Pretax return on assets | 1.0468% | 3,509 |
| Return on Equity (ROE) | 10.1290% | 2,351 |
| Retained earnings to average equity (ytd only) | 10.1290% | 1,232 |
| Net charge-offs to loans | 1.3463% | 754 |
| Credit loss provision to net charge-offs | 22.7618% | 3,740 |
| Earnings coverage of net charge-offs (x) | 1.2428% | 3,714 |
| Efficiency ratio | 72.7108% | 3,306 |
| Assets per employee ($millions) | 2.9494% | 6,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 4,193 |
| Loan loss allowance to noncurrent loans | 72.8602% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 3.1568% | 1,832 |
| Noncurrent loans to loans | 2.0482% | 3,091 |
| Net loans and leases to total assets | 75.0011% | 920 |
| Net loans and leases to deposits | 84.5297% | 1,592 |
| Net loans and leases to core deposits | 92.1088% | 1,641 |
| Total domestic deposits to total assets | 88.7274% | 1,868 |
| Equity capital to assets | 9.8969% | 4,258 |
| Core capital (leverage) ratio | 10.0356% | 3,322 |
| Tier 1 risk-based capital ratio | 13.5614% | 4,784 |
| Total risk-based capital ratio | 14.8155% | 4,767 |
| Memoranda: | ||
| Average total assets | $511,264,500 | 1,327 |
| Average earning assets | $457,151,500 | 1,354 |
| Average equity | $50,153,000 | 1,407 |
| Average total loans | $391,600,500 | 1,079 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 2,258 |
| Cost of funding earning assets | 0.7861% | 4,967 |
| Net interest margin | 4.3620% | 1,506 |
| Noninterest income to average assets | 1.0761% | 1,153 |
| Noninterest expense to average assets | 3.8094% | 1,333 |
| Loan and lease loss provision to assets | 0.3654% | 2,804 |
| Net operating income to assets | 1.0912% | 1,868 |
| Return on assets (ROA) | 1.0912% | 1,987 |
| Pretax return on assets | 0.7818% | 4,046 |
| Return on Equity (ROE) | 11.1520% | 1,656 |
| Retained earnings to average equity (ytd only) | 7.0024% | 1,503 |
| Net charge-offs to loans | 0.3754% | 3,532 |
| Credit loss provision to net charge-offs | 123.4568% | 2,550 |
| Earnings coverage of net charge-offs (x) | 3.8759% | 3,350 |
| Efficiency ratio | 76.2164% | 2,857 |
| Assets per employee ($millions) | 2.8614% | 6,353 |
| Cash dividends to net income (ytd only)* | 37.2093% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7451% | 3,045 |
| Loan loss allowance to noncurrent loans | 71.2250% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 3.5753% | 1,647 |
| Noncurrent loans to loans | 2.4502% | 2,683 |
| Net loans and leases to total assets | 75.7105% | 987 |
| Net loans and leases to deposits | 85.1740% | 1,780 |
| Net loans and leases to core deposits | 92.6714% | 1,823 |
| Total domestic deposits to total assets | 88.8893% | 1,612 |
| Equity capital to assets | 9.7217% | 4,561 |
| Core capital (leverage) ratio | 9.8685% | 3,496 |
| Tier 1 risk-based capital ratio | 13.1675% | 4,945 |
| Total risk-based capital ratio | 14.4249% | 4,914 |
| Memoranda: | ||
| Average total assets | $492,594,800 | 1,356 |
| Average earning assets | $438,213,000 | 1,383 |
| Average equity | $48,197,600 | 1,415 |
| Average total loans | $388,387,000 | 1,101 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1239% | 2,496 |
| Cost of funding earning assets | 0.8096% | 5,086 |
| Net interest margin | 4.3143% | 1,663 |
| Noninterest income to average assets | 1.1375% | 1,021 |
| Noninterest expense to average assets | 3.8510% | 1,231 |
| Loan and lease loss provision to assets | 0.2457% | 3,548 |
| Net operating income to assets | 1.1673% | 1,753 |
| Return on assets (ROA) | 1.1673% | 1,870 |
| Pretax return on assets | 0.8782% | 3,849 |
| Return on Equity (ROE) | 11.9102% | 1,571 |
| Retained earnings to average equity (ytd only) | 9.1248% | 1,101 |
| Net charge-offs to loans | 0.4943% | 2,774 |
| Credit loss provision to net charge-offs | 62.6741% | 4,717 |
| Earnings coverage of net charge-offs (x) | 2.8670% | 3,710 |
| Efficiency ratio | 76.6352% | 2,737 |
| Assets per employee ($millions) | 2.8318% | 6,432 |
| Cash dividends to net income (ytd only)* | 23.3863% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 4,080 |
| Loan loss allowance to noncurrent loans | 59.2420% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 3.7617% | 1,657 |
| Noncurrent loans to loans | 2.5350% | 2,735 |
| Net loans and leases to total assets | 79.0248% | 603 |
| Net loans and leases to deposits | 89.2442% | 1,294 |
| Net loans and leases to core deposits | 94.8426% | 1,716 |
| Total domestic deposits to total assets | 88.5489% | 1,724 |
| Equity capital to assets | 9.9784% | 4,372 |
| Core capital (leverage) ratio | 9.9235% | 3,541 |
| Tier 1 risk-based capital ratio | 12.7571% | 5,284 |
| Total risk-based capital ratio | 14.0111% | 5,265 |
| Memoranda: | ||
| Average total assets | $488,411,750 | 1,371 |
| Average earning assets | $434,424,000 | 1,404 |
| Average equity | $47,868,250 | 1,431 |
| Average total loans | $387,368,000 | 1,112 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 2,711 |
| Cost of funding earning assets | 0.8241% | 5,220 |
| Net interest margin | 4.2697% | 1,765 |
| Noninterest income to average assets | 1.1213% | 1,028 |
| Noninterest expense to average assets | 3.8969% | 1,200 |
| Loan and lease loss provision to assets | 0.2469% | 3,437 |
| Net operating income to assets | 1.2041% | 1,559 |
| Return on assets (ROA) | 1.2041% | 1,645 |
| Pretax return on assets | 0.7683% | 4,154 |
| Return on Equity (ROE) | 12.3614% | 1,393 |
| Retained earnings to average equity (ytd only) | 8.1367% | 1,412 |
| Net charge-offs to loans | 0.3855% | 3,016 |
| Credit loss provision to net charge-offs | 81.0811% | 3,735 |
| Earnings coverage of net charge-offs (x) | 3.3338% | 3,207 |
| Efficiency ratio | 78.4619% | 2,636 |
| Assets per employee ($millions) | 2.7636% | 6,530 |
| Cash dividends to net income (ytd only)* | 34.1763% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 3,538 |
| Loan loss allowance to noncurrent loans | 83.7433% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 3.3410% | 1,978 |
| Noncurrent loans to loans | 1.9565% | 3,534 |
| Net loans and leases to total assets | 77.7019% | 817 |
| Net loans and leases to deposits | 87.3433% | 1,601 |
| Net loans and leases to core deposits | 93.0014% | 2,018 |
| Total domestic deposits to total assets | 88.9614% | 1,557 |
| Equity capital to assets | 9.7713% | 4,424 |
| Core capital (leverage) ratio | 9.9245% | 3,356 |
| Tier 1 risk-based capital ratio | 12.7441% | 5,138 |
| Total risk-based capital ratio | 14.0004% | 5,107 |
| Memoranda: | ||
| Average total assets | $486,025,670 | 1,385 |
| Average earning assets | $431,506,000 | 1,424 |
| Average equity | $47,341,000 | 1,430 |
| Average total loans | $383,959,330 | 1,142 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0283% | 2,967 |
| Cost of funding earning assets | 0.8579% | 5,228 |
| Net interest margin | 4.1704% | 1,998 |
| Noninterest income to average assets | 1.0880% | 1,107 |
| Noninterest expense to average assets | 3.9447% | 1,111 |
| Loan and lease loss provision to assets | 0.2484% | 3,173 |
| Net operating income to assets | 1.4788% | 912 |
| Return on assets (ROA) | 1.4788% | 955 |
| Pretax return on assets | 0.6020% | 4,680 |
| Return on Equity (ROE) | 15.2071% | 792 |
| Retained earnings to average equity (ytd only) | 15.2071% | 375 |
| Net charge-offs to loans | 0.6488% | 1,906 |
| Credit loss provision to net charge-offs | 48.4653% | 3,783 |
| Earnings coverage of net charge-offs (x) | 1.6591% | 3,481 |
| Efficiency ratio | 81.2640% | 2,336 |
| Assets per employee ($millions) | 2.6822% | 6,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 3,666 |
| Loan loss allowance to noncurrent loans | 53.7153% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 4.2585% | 1,538 |
| Noncurrent loans to loans | 3.0086% | 2,502 |
| Net loans and leases to total assets | 77.5963% | 782 |
| Net loans and leases to deposits | 87.4336% | 1,527 |
| Net loans and leases to core deposits | 92.2238% | 2,099 |
| Total domestic deposits to total assets | 88.7488% | 1,928 |
| Equity capital to assets | 9.8600% | 3,956 |
| Core capital (leverage) ratio | 9.8712% | 3,311 |
| Tier 1 risk-based capital ratio | 12.8828% | 4,918 |
| Total risk-based capital ratio | 14.1384% | 4,896 |
| Memoranda: | ||
| Average total assets | $483,078,500 | 1,398 |
| Average earning assets | $429,409,500 | 1,434 |
| Average equity | $46,978,000 | 1,426 |
| Average total loans | $381,640,000 | 1,153 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3090% | 3,089 |
| Cost of funding earning assets | 1.1486% | 4,858 |
| Net interest margin | 4.1605% | 2,324 |
| Noninterest income to average assets | 1.0457% | 1,369 |
| Noninterest expense to average assets | 4.3673% | 755 |
| Loan and lease loss provision to assets | 0.2553% | 4,747 |
| Net operating income to assets | 0.1850% | 5,321 |
| Return on assets (ROA) | 0.1850% | 5,489 |
| Pretax return on assets | 0.1079% | 5,687 |
| Return on Equity (ROE) | 1.9846% | 5,382 |
| Retained earnings to average equity (ytd only) | -1.2371% | 5,843 |
| Net charge-offs to loans | 0.6913% | 2,933 |
| Credit loss provision to net charge-offs | 46.9440% | 6,307 |
| Earnings coverage of net charge-offs (x) | 0.6679% | 5,439 |
| Efficiency ratio | 91.1503% | 1,238 |
| Assets per employee ($millions) | 2.7157% | 6,659 |
| Cash dividends to net income (ytd only)* | 162.3377% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7107% | 3,176 |
| Loan loss allowance to noncurrent loans | 83.4231% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 3.3465% | 2,102 |
| Noncurrent loans to loans | 2.0506% | 3,486 |
| Net loans and leases to total assets | 77.7800% | 975 |
| Net loans and leases to deposits | 90.5726% | 1,455 |
| Net loans and leases to core deposits | 94.1030% | 2,244 |
| Total domestic deposits to total assets | 85.8758% | 3,424 |
| Equity capital to assets | 9.5881% | 4,288 |
| Core capital (leverage) ratio | 9.5643% | 3,615 |
| Tier 1 risk-based capital ratio | 12.6005% | 4,935 |
| Total risk-based capital ratio | 13.8577% | 4,912 |
| Memoranda: | ||
| Average total assets | $499,480,400 | 1,345 |
| Average earning assets | $442,378,000 | 1,380 |
| Average equity | $46,559,200 | 1,441 |
| Average total loans | $392,867,400 | 1,147 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3509% | 3,116 |
| Cost of funding earning assets | 1.2246% | 4,715 |
| Net interest margin | 4.1262% | 2,506 |
| Noninterest income to average assets | 1.0565% | 1,289 |
| Noninterest expense to average assets | 4.6347% | 512 |
| Loan and lease loss provision to assets | 0.1719% | 5,324 |
| Net operating income to assets | -0.0963% | 6,179 |
| Return on assets (ROA) | -0.0963% | 6,270 |
| Pretax return on assets | -0.0997% | 6,220 |
| Return on Equity (ROE) | -1.0397% | 6,282 |
| Retained earnings to average equity (ytd only) | -3.1821% | 6,378 |
| Net charge-offs to loans | 0.8737% | 2,260 |
| Credit loss provision to net charge-offs | 25.0482% | 6,201 |
| Earnings coverage of net charge-offs (x) | 0.1052% | 5,914 |
| Efficiency ratio | 97.2583% | 852 |
| Assets per employee ($millions) | 2.6704% | 6,822 |
| Cash dividends to net income (ytd only)* | -206.0455% | 7,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 3,750 |
| Loan loss allowance to noncurrent loans | 103.0027% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 3.3283% | 2,139 |
| Noncurrent loans to loans | 1.5003% | 4,388 |
| Net loans and leases to total assets | 79.5667% | 814 |
| Net loans and leases to deposits | 94.1663% | 1,181 |
| Net loans and leases to core deposits | 96.5334% | 2,195 |
| Total domestic deposits to total assets | 84.4959% | 3,866 |
| Equity capital to assets | 9.4860% | 4,867 |
| Core capital (leverage) ratio | 9.4233% | 4,025 |
| Tier 1 risk-based capital ratio | 12.1629% | 5,307 |
| Total risk-based capital ratio | 13.4176% | 5,267 |
| Memoranda: | ||
| Average total assets | $504,180,750 | 1,339 |
| Average earning assets | $446,048,500 | 1,383 |
| Average equity | $46,677,000 | 1,449 |
| Average total loans | $395,989,500 | 1,148 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2980% | 3,480 |
| Cost of funding earning assets | 1.2735% | 4,697 |
| Net interest margin | 4.0244% | 2,903 |
| Noninterest income to average assets | 1.0105% | 1,351 |
| Noninterest expense to average assets | 4.0745% | 949 |
| Loan and lease loss provision to assets | 0.0293% | 6,653 |
| Net operating income to assets | 0.4715% | 4,457 |
| Return on assets (ROA) | 0.4715% | 4,613 |
| Pretax return on assets | 0.4691% | 5,005 |
| Return on Equity (ROE) | 5.1321% | 4,224 |
| Retained earnings to average equity (ytd only) | 1.9431% | 4,898 |
| Net charge-offs to loans | 0.5290% | 2,950 |
| Credit loss provision to net charge-offs | 7.1157% | 5,973 |
| Earnings coverage of net charge-offs (x) | 1.2106% | 4,595 |
| Efficiency ratio | 87.8620% | 1,519 |
| Assets per employee ($millions) | 2.6508% | 6,858 |
| Cash dividends to net income (ytd only)* | 62.1375% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7660% | 2,833 |
| Loan loss allowance to noncurrent loans | 102.8483% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 3.1446% | 2,255 |
| Noncurrent loans to loans | 1.7171% | 4,110 |
| Net loans and leases to total assets | 79.0471% | 945 |
| Net loans and leases to deposits | 89.8517% | 1,882 |
| Net loans and leases to core deposits | 94.4609% | 2,648 |
| Total domestic deposits to total assets | 87.9750% | 2,017 |
| Equity capital to assets | 9.6117% | 4,526 |
| Core capital (leverage) ratio | 9.2406% | 4,230 |
| Tier 1 risk-based capital ratio | 12.3363% | 5,008 |
| Total risk-based capital ratio | 13.5938% | 4,980 |
| Memoranda: | ||
| Average total assets | $512,019,000 | 1,323 |
| Average earning assets | $453,230,000 | 1,372 |
| Average equity | $47,037,330 | 1,427 |
| Average total loans | $398,501,670 | 1,155 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2629% | 3,719 |
| Cost of funding earning assets | 1.3239% | 4,664 |
| Net interest margin | 3.9389% | 3,158 |
| Noninterest income to average assets | 1.0451% | 1,171 |
| Noninterest expense to average assets | 3.9569% | 1,091 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5700% | 4,033 |
| Return on assets (ROA) | 0.5700% | 4,177 |
| Pretax return on assets | 0.5707% | 4,711 |
| Return on Equity (ROE) | 6.3420% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.3420% | 2,451 |
| Net charge-offs to loans | 0.2537% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.9370% | 3,084 |
| Efficiency ratio | 86.1609% | 1,778 |
| Assets per employee ($millions) | 2.8099% | 6,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9314% | 2,360 |
| Loan loss allowance to noncurrent loans | 116.5228% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 3.2400% | 2,214 |
| Noncurrent loans to loans | 1.6575% | 4,262 |
| Net loans and leases to total assets | 75.5629% | 1,629 |
| Net loans and leases to deposits | 90.2653% | 1,865 |
| Net loans and leases to core deposits | 95.8709% | 2,606 |
| Total domestic deposits to total assets | 83.7120% | 4,296 |
| Equity capital to assets | 9.1696% | 5,031 |
| Core capital (leverage) ratio | 9.0807% | 4,415 |
| Tier 1 risk-based capital ratio | 12.1166% | 5,071 |
| Total risk-based capital ratio | 13.3760% | 5,028 |
| Memoranda: | ||
| Average total assets | $522,831,500 | 1,334 |
| Average earning assets | $462,257,500 | 1,373 |
| Average equity | $46,988,500 | 1,432 |
| Average total loans | $400,447,000 | 1,183 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4062% | 4,676 |
| Cost of funding earning assets | 1.9309% | 3,295 |
| Net interest margin | 3.4753% | 5,063 |
| Noninterest income to average assets | 0.9948% | 1,594 |
| Noninterest expense to average assets | 4.0103% | 1,349 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2189% | 4,836 |
| Return on assets (ROA) | 0.3304% | 4,504 |
| Pretax return on assets | 0.1700% | 5,074 |
| Return on Equity (ROE) | 4.0401% | 4,077 |
| Retained earnings to average equity (ytd only) | 4.0401% | 2,389 |
| Net charge-offs to loans | 1.6914% | 1,489 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 0.0446% | 6,134 |
| Efficiency ratio | 97.2816% | 1,257 |
| Assets per employee ($millions) | 2.7824% | 6,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9745% | 2,088 |
| Loan loss allowance to noncurrent loans | 115.1550% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 3.1722% | 2,182 |
| Noncurrent loans to loans | 1.7147% | 4,066 |
| Net loans and leases to total assets | 74.6396% | 2,110 |
| Net loans and leases to deposits | 90.7613% | 2,085 |
| Net loans and leases to core deposits | 106.1124% | 3,317 |
| Total domestic deposits to total assets | 82.2372% | 4,845 |
| Equity capital to assets | 8.8090% | 5,421 |
| Core capital (leverage) ratio | 8.6012% | 5,101 |
| Tier 1 risk-based capital ratio | 11.7267% | 5,171 |
| Total risk-based capital ratio | 12.9866% | 5,128 |
| Memoranda: | ||
| Average total assets | $556,911,200 | 1,245 |
| Average earning assets | $492,623,600 | 1,280 |
| Average equity | $45,543,600 | 1,476 |
| Average total loans | $431,948,000 | 1,109 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3745% | 5,067 |
| Cost of funding earning assets | 2.0022% | 3,345 |
| Net interest margin | 3.3723% | 5,376 |
| Noninterest income to average assets | 1.1055% | 1,292 |
| Noninterest expense to average assets | 4.0606% | 1,197 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0270% | 5,652 |
| Return on assets (ROA) | 0.0983% | 5,520 |
| Pretax return on assets | 0.1151% | 5,494 |
| Return on Equity (ROE) | 1.2247% | 5,427 |
| Retained earnings to average equity (ytd only) | 1.2247% | 4,639 |
| Net charge-offs to loans | 1.9579% | 1,016 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 0.0205% | 6,035 |
| Efficiency ratio | 97.9778% | 1,165 |
| Assets per employee ($millions) | 2.7456% | 6,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1276% | 1,552 |
| Loan loss allowance to noncurrent loans | 125.8111% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 3.1325% | 2,178 |
| Noncurrent loans to loans | 1.6911% | 4,104 |
| Net loans and leases to total assets | 74.4913% | 2,386 |
| Net loans and leases to deposits | 87.0024% | 3,144 |
| Net loans and leases to core deposits | 104.8070% | 3,844 |
| Total domestic deposits to total assets | 85.6198% | 2,905 |
| Equity capital to assets | 8.3348% | 6,463 |
| Core capital (leverage) ratio | 8.0417% | 6,289 |
| Tier 1 risk-based capital ratio | 10.9031% | 6,051 |
| Total risk-based capital ratio | 12.1648% | 5,997 |
| Memoranda: | ||
| Average total assets | $563,976,500 | 1,239 |
| Average earning assets | $499,431,250 | 1,273 |
| Average equity | $45,287,250 | 1,505 |
| Average total loans | $439,302,500 | 1,112 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3751% | 5,279 |
| Cost of funding earning assets | 2.0404% | 3,575 |
| Net interest margin | 3.3347% | 5,420 |
| Noninterest income to average assets | 1.2173% | 1,047 |
| Noninterest expense to average assets | 4.1110% | 1,175 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0459% | 5,715 |
| Return on assets (ROA) | 0.1591% | 5,488 |
| Pretax return on assets | 0.1756% | 5,527 |
| Return on Equity (ROE) | 2.0053% | 5,298 |
| Retained earnings to average equity (ytd only) | 2.0053% | 4,226 |
| Net charge-offs to loans | 2.1665% | 850 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.0301% | 5,645 |
| Efficiency ratio | 97.5501% | 1,289 |
| Assets per employee ($millions) | 2.8031% | 6,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4743% | 926 |
| Loan loss allowance to noncurrent loans | 108.2856% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 3.6769% | 1,678 |
| Noncurrent loans to loans | 2.2850% | 3,154 |
| Net loans and leases to total assets | 73.5075% | 2,837 |
| Net loans and leases to deposits | 85.4600% | 3,656 |
| Net loans and leases to core deposits | 103.4554% | 4,129 |
| Total domestic deposits to total assets | 86.0139% | 2,787 |
| Equity capital to assets | 8.1142% | 6,613 |
| Core capital (leverage) ratio | 7.8492% | 6,553 |
| Tier 1 risk-based capital ratio | 10.6496% | 6,232 |
| Total risk-based capital ratio | 11.9154% | 6,154 |
| Memoranda: | ||
| Average total assets | $570,761,330 | 1,241 |
| Average earning assets | $504,029,330 | 1,276 |
| Average equity | $45,279,670 | 1,519 |
| Average total loans | $447,818,670 | 1,118 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4437% | 5,211 |
| Cost of funding earning assets | 2.0995% | 3,652 |
| Net interest margin | 3.3441% | 5,348 |
| Noninterest income to average assets | 1.0678% | 1,299 |
| Noninterest expense to average assets | 4.0600% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0369% | 6,311 |
| Return on assets (ROA) | 0.0915% | 6,167 |
| Pretax return on assets | 0.1081% | 6,148 |
| Return on Equity (ROE) | 1.1659% | 6,078 |
| Retained earnings to average equity (ytd only) | 1.1659% | 5,174 |
| Net charge-offs to loans | 3.3065% | 377 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.0163% | 4,997 |
| Efficiency ratio | 99.8102% | 1,138 |
| Assets per employee ($millions) | 2.5399% | 7,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5670% | 715 |
| Loan loss allowance to noncurrent loans | 78.2850% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 4.4532% | 1,086 |
| Noncurrent loans to loans | 3.2790% | 1,957 |
| Net loans and leases to total assets | 77.0011% | 2,040 |
| Net loans and leases to deposits | 89.3272% | 3,044 |
| Net loans and leases to core deposits | 108.3067% | 3,639 |
| Total domestic deposits to total assets | 86.2012% | 2,613 |
| Equity capital to assets | 8.0271% | 6,767 |
| Core capital (leverage) ratio | 7.6258% | 6,991 |
| Tier 1 risk-based capital ratio | 10.2358% | 6,669 |
| Total risk-based capital ratio | 11.5034% | 6,568 |
| Memoranda: | ||
| Average total assets | $577,236,500 | 1,235 |
| Average earning assets | $509,070,000 | 1,268 |
| Average equity | $45,288,500 | 1,521 |
| Average total loans | $461,510,000 | 1,088 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1599% | 4,727 |
| Cost of funding earning assets | 2.7131% | 3,099 |
| Net interest margin | 3.4467% | 5,477 |
| Noninterest income to average assets | 0.7135% | 3,033 |
| Noninterest expense to average assets | 4.5242% | 871 |
| Loan and lease loss provision to assets | 2.7396% | 357 |
| Net operating income to assets | -3.8115% | 7,956 |
| Return on assets (ROA) | -3.8115% | 7,935 |
| Pretax return on assets | -3.5614% | 7,819 |
| Return on Equity (ROE) | -42.0112% | 8,094 |
| Retained earnings to average equity (ytd only) | -46.7519% | 8,116 |
| Net charge-offs to loans | 3.2154% | 264 |
| Credit loss provision to net charge-offs | 111.4943% | 4,836 |
| Earnings coverage of net charge-offs (x) | -0.3344% | 6,433 |
| Efficiency ratio | 103.4658% | 882 |
| Assets per employee ($millions) | 2.6133% | 6,981 |
| Cash dividends to net income (ytd only)* | -11.2846% | 7,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1952% | 371 |
| Loan loss allowance to noncurrent loans | 84.2204% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 4.9994% | 695 |
| Noncurrent loans to loans | 3.7939% | 1,311 |
| Net loans and leases to total assets | 78.2490% | 2,067 |
| Net loans and leases to deposits | 93.9075% | 2,781 |
| Net loans and leases to core deposits | 113.6099% | 3,382 |
| Total domestic deposits to total assets | 83.3256% | 3,642 |
| Equity capital to assets | 7.6726% | 7,236 |
| Core capital (leverage) ratio | 7.0758% | 7,637 |
| Tier 1 risk-based capital ratio | 9.5886% | 7,219 |
| Total risk-based capital ratio | 10.8645% | 7,077 |
| Memoranda: | ||
| Average total assets | $697,498,600 | 964 |
| Average earning assets | $604,832,600 | 1,010 |
| Average equity | $63,280,800 | 1,058 |
| Average total loans | $533,035,200 | 895 |