Home > MidAmerica National Bank > Performance and Condition Ratios
MidAmerica National 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 | 5.0419% | 1,992 |
| Cost of funding earning assets | 1.2566% | 2,640 |
| Net interest margin | 3.7853% | 1,589 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.7235% | 1,681 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.9307% | 2,443 |
| Return on assets (ROA) | 0.8909% | 2,552 |
| Pretax return on assets | 1.1824% | 2,187 |
| Return on Equity (ROE) | 9.5100% | 2,634 |
| Retained earnings to average equity (ytd only) | 5.8326% | 2,309 |
| Net charge-offs to loans | 0.0107% | 2,248 |
| Credit loss provision to net charge-offs | 2,420.4545% | 198 |
| Earnings coverage of net charge-offs (x) | 192.1818% | 601 |
| Efficiency ratio | 65.3676% | 2,433 |
| Assets per employee ($millions) | 4.9842% | 3,651 |
| Cash dividends to net income (ytd only)* | 38.6639% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 1,198 |
| Loan loss allowance to noncurrent loans | 381.9613% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 1,841 |
| Noncurrent loans to loans | 0.3799% | 1,847 |
| Net loans and leases to total assets | 69.9000% | 1,820 |
| Net loans and leases to deposits | 78.9100% | 2,199 |
| Net loans and leases to core deposits | 83.0797% | 2,517 |
| Total domestic deposits to total assets | 88.5900% | 1,183 |
| Equity capital to assets | 9.7390% | 2,167 |
| Core capital (leverage) ratio | 9.6543% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $601,507,000 | 1,477 |
| Average earning assets | $563,661,000 | 1,455 |
| Average equity | $56,355,600 | 1,460 |
| Average total loans | $410,916,400 | 1,446 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9229% | 2,012 |
| Cost of funding earning assets | 1.1171% | 2,693 |
| Net interest margin | 3.8058% | 1,581 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.6505% | 1,801 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 0.9289% | 2,586 |
| Return on assets (ROA) | 0.8755% | 2,758 |
| Pretax return on assets | 1.1598% | 2,389 |
| Return on Equity (ROE) | 9.4400% | 2,815 |
| Retained earnings to average equity (ytd only) | 6.1840% | 2,574 |
| Net charge-offs to loans | 0.0158% | 1,831 |
| Credit loss provision to net charge-offs | 2,475.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 139.6458% | 772 |
| Efficiency ratio | 63.3769% | 2,576 |
| Assets per employee ($millions) | 4.9224% | 3,661 |
| Cash dividends to net income (ytd only)* | 34.4950% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 1,120 |
| Loan loss allowance to noncurrent loans | 370.9752% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 1,835 |
| Noncurrent loans to loans | 0.4036% | 1,819 |
| Net loans and leases to total assets | 69.8500% | 1,846 |
| Net loans and leases to deposits | 78.4138% | 2,209 |
| Net loans and leases to core deposits | 80.1563% | 2,589 |
| Total domestic deposits to total assets | 89.0800% | 1,219 |
| Equity capital to assets | 9.2381% | 2,267 |
| Core capital (leverage) ratio | 9.5451% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $598,618,500 | 1,478 |
| Average earning assets | $560,713,250 | 1,465 |
| Average equity | $55,518,000 | 1,465 |
| Average total loans | $404,929,500 | 1,456 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7423% | 2,125 |
| Cost of funding earning assets | 0.9396% | 2,803 |
| Net interest margin | 3.8027% | 1,616 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.5663% | 2,012 |
| Loan and lease loss provision to assets | 0.3000% | 309 |
| Net operating income to assets | 0.9677% | 2,521 |
| Return on assets (ROA) | 0.9179% | 2,680 |
| Pretax return on assets | 1.2144% | 2,321 |
| Return on Equity (ROE) | 9.8800% | 2,741 |
| Retained earnings to average equity (ytd only) | 5.9264% | 2,653 |
| Net charge-offs to loans | -0.0973% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.3635% | 2,797 |
| Assets per employee ($millions) | 5.1167% | 3,490 |
| Cash dividends to net income (ytd only)* | 40.0438% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 1,021 |
| Loan loss allowance to noncurrent loans | 301.2808% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 1,557 |
| Noncurrent loans to loans | 0.5167% | 1,427 |
| Net loans and leases to total assets | 64.8700% | 2,294 |
| Net loans and leases to deposits | 72.4563% | 2,617 |
| Net loans and leases to core deposits | 73.8836% | 2,893 |
| Total domestic deposits to total assets | 89.5300% | 1,076 |
| Equity capital to assets | 9.0779% | 2,458 |
| Core capital (leverage) ratio | 9.6376% | 3,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $596,338,333 | 1,481 |
| Average earning assets | $558,758,000 | 1,463 |
| Average equity | $55,379,667 | 1,472 |
| Average total loans | $396,787,000 | 1,462 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6747% | 1,910 |
| Cost of funding earning assets | 0.8002% | 2,737 |
| Net interest margin | 3.8746% | 1,527 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.6095% | 1,922 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 0.9991% | 2,527 |
| Return on assets (ROA) | 0.9991% | 2,496 |
| Pretax return on assets | 1.3211% | 2,115 |
| Return on Equity (ROE) | 10.6300% | 2,595 |
| Retained earnings to average equity (ytd only) | 7.6481% | 2,326 |
| Net charge-offs to loans | -0.0930% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.7786% | 2,724 |
| Assets per employee ($millions) | 5.0406% | 3,635 |
| Cash dividends to net income (ytd only)* | 28.0630% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 1,405 |
| Loan loss allowance to noncurrent loans | 469.4079% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 2,112 |
| Noncurrent loans to loans | 0.3106% | 2,036 |
| Net loans and leases to total assets | 64.8500% | 2,166 |
| Net loans and leases to deposits | 72.6649% | 2,410 |
| Net loans and leases to core deposits | 74.6051% | 2,635 |
| Total domestic deposits to total assets | 89.2500% | 1,442 |
| Equity capital to assets | 9.4408% | 2,190 |
| Core capital (leverage) ratio | 9.6542% | 3,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $584,949,000 | 1,538 |
| Average earning assets | $547,366,500 | 1,526 |
| Average equity | $54,968,000 | 1,491 |
| Average total loans | $391,203,000 | 1,494 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1315% | 1,401 |
| Cost of funding earning assets | 0.2757% | 3,086 |
| Net interest margin | 3.8557% | 1,055 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.7343% | 1,477 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.0954% | 2,193 |
| Return on assets (ROA) | 1.0369% | 2,370 |
| Pretax return on assets | 1.3528% | 1,928 |
| Return on Equity (ROE) | 10.3200% | 2,709 |
| Retained earnings to average equity (ytd only) | 7.1895% | 2,151 |
| Net charge-offs to loans | 0.1504% | 546 |
| Credit loss provision to net charge-offs | 112.1157% | 1,498 |
| Earnings coverage of net charge-offs (x) | 15.5515% | 2,001 |
| Efficiency ratio | 63.3936% | 2,579 |
| Assets per employee ($millions) | 4.8738% | 3,766 |
| Cash dividends to net income (ytd only)* | 30.3156% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,143 |
| Loan loss allowance to noncurrent loans | 617.2980% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 2,507 |
| Noncurrent loans to loans | 0.2026% | 2,479 |
| Net loans and leases to total assets | 67.1300% | 1,916 |
| Net loans and leases to deposits | 75.8453% | 2,111 |
| Net loans and leases to core deposits | 77.9890% | 2,275 |
| Total domestic deposits to total assets | 88.5100% | 1,877 |
| Equity capital to assets | 9.3519% | 2,107 |
| Core capital (leverage) ratio | 9.9934% | 2,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $559,274,200 | 1,589 |
| Average earning assets | $527,296,600 | 1,559 |
| Average equity | $56,207,200 | 1,476 |
| Average total loans | $367,789,600 | 1,490 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9725% | 1,324 |
| Cost of funding earning assets | 0.1682% | 3,647 |
| Net interest margin | 3.8043% | 946 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 2.6665% | 1,543 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.1014% | 2,082 |
| Return on assets (ROA) | 1.1008% | 2,057 |
| Pretax return on assets | 1.4406% | 1,598 |
| Return on Equity (ROE) | 10.7600% | 2,481 |
| Retained earnings to average equity (ytd only) | 8.3617% | 1,864 |
| Net charge-offs to loans | 0.0807% | 735 |
| Credit loss provision to net charge-offs | 194.0639% | 994 |
| Earnings coverage of net charge-offs (x) | 29.3516% | 1,528 |
| Efficiency ratio | 62.7181% | 2,732 |
| Assets per employee ($millions) | 4.9303% | 3,736 |
| Cash dividends to net income (ytd only)* | 22.2901% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 1,943 |
| Loan loss allowance to noncurrent loans | 382.0669% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 1,994 |
| Noncurrent loans to loans | 0.3454% | 1,991 |
| Net loans and leases to total assets | 65.1800% | 1,966 |
| Net loans and leases to deposits | 72.2570% | 2,183 |
| Net loans and leases to core deposits | 74.3862% | 2,319 |
| Total domestic deposits to total assets | 90.2000% | 1,567 |
| Equity capital to assets | 9.2303% | 2,054 |
| Core capital (leverage) ratio | 9.8691% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $555,316,500 | 1,606 |
| Average earning assets | $524,897,500 | 1,579 |
| Average equity | $56,813,250 | 1,480 |
| Average total loans | $361,995,000 | 1,502 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8508% | 1,205 |
| Cost of funding earning assets | 0.1122% | 4,056 |
| Net interest margin | 3.7386% | 857 |
| Noninterest income to average assets | 0.6174% | 1,666 |
| Noninterest expense to average assets | 2.6468% | 1,509 |
| Loan and lease loss provision to assets | 0.1076% | 923 |
| Net operating income to assets | 1.0726% | 1,887 |
| Return on assets (ROA) | 1.0723% | 1,862 |
| Pretax return on assets | 1.3993% | 1,439 |
| Return on Equity (ROE) | 10.1340% | 2,289 |
| Retained earnings to average equity (ytd only) | 6.8065% | 2,049 |
| Net charge-offs to loans | -0.0017% | 3,099 |
| Credit loss provision to net charge-offs | -9,833.3333% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0742% | 2,905 |
| Assets per employee ($millions) | 4.8241% | 3,832 |
| Cash dividends to net income (ytd only)* | 32.8343% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4014% | 1,744 |
| Loan loss allowance to noncurrent loans | 357.2924% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 2,086 |
| Noncurrent loans to loans | 0.3922% | 1,957 |
| Net loans and leases to total assets | 62.2247% | 2,102 |
| Net loans and leases to deposits | 69.0001% | 2,304 |
| Net loans and leases to core deposits | 70.5174% | 2,452 |
| Total domestic deposits to total assets | 90.1806% | 1,637 |
| Equity capital to assets | 9.1754% | 2,258 |
| Core capital (leverage) ratio | 9.7230% | 2,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $548,142,000 | 1,632 |
| Average earning assets | $518,538,667 | 1,611 |
| Average equity | $58,003,000 | 1,483 |
| Average total loans | $355,660,333 | 1,515 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8322% | 1,028 |
| Cost of funding earning assets | 0.1055% | 4,062 |
| Net interest margin | 3.7267% | 716 |
| Noninterest income to average assets | 0.6367% | 1,541 |
| Noninterest expense to average assets | 2.4709% | 1,955 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2839% | 1,037 |
| Return on assets (ROA) | 1.2839% | 1,028 |
| Pretax return on assets | 1.6916% | 695 |
| Return on Equity (ROE) | 11.3158% | 1,516 |
| Retained earnings to average equity (ytd only) | 10.1114% | 993 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6941% | 3,612 |
| Assets per employee ($millions) | 4.5192% | 4,125 |
| Cash dividends to net income (ytd only)* | 10.6433% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 2,004 |
| Loan loss allowance to noncurrent loans | 332.0937% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 2,071 |
| Noncurrent loans to loans | 0.4142% | 2,010 |
| Net loans and leases to total assets | 63.7568% | 1,652 |
| Net loans and leases to deposits | 73.0025% | 1,692 |
| Net loans and leases to core deposits | 75.0780% | 1,844 |
| Total domestic deposits to total assets | 87.3351% | 2,803 |
| Equity capital to assets | 10.8119% | 1,433 |
| Core capital (leverage) ratio | 10.2206% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $532,764,500 | 1,677 |
| Average earning assets | $504,044,000 | 1,662 |
| Average equity | $60,446,500 | 1,474 |
| Average total loans | $350,822,000 | 1,521 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0267% | 1,299 |
| Cost of funding earning assets | 0.1183% | 4,239 |
| Net interest margin | 3.9084% | 841 |
| Noninterest income to average assets | 0.6885% | 1,805 |
| Noninterest expense to average assets | 2.7911% | 1,384 |
| Loan and lease loss provision to assets | 0.1026% | 1,225 |
| Net operating income to assets | 1.1431% | 2,134 |
| Return on assets (ROA) | 1.1610% | 2,118 |
| Pretax return on assets | 1.5107% | 1,685 |
| Return on Equity (ROE) | 9.6821% | 2,644 |
| Retained earnings to average equity (ytd only) | 7.1209% | 1,874 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0471% | 2,708 |
| Assets per employee ($millions) | 4.4341% | 4,165 |
| Cash dividends to net income (ytd only)* | 26.4523% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 2,030 |
| Loan loss allowance to noncurrent loans | 396.8724% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 2,264 |
| Noncurrent loans to loans | 0.3461% | 2,340 |
| Net loans and leases to total assets | 66.1750% | 1,451 |
| Net loans and leases to deposits | 77.4481% | 1,452 |
| Net loans and leases to core deposits | 79.9369% | 1,602 |
| Total domestic deposits to total assets | 85.4443% | 3,115 |
| Equity capital to assets | 11.8993% | 1,299 |
| Core capital (leverage) ratio | 10.2800% | 2,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $511,548,800 | 1,673 |
| Average earning assets | $483,399,200 | 1,653 |
| Average equity | $61,340,200 | 1,487 |
| Average total loans | $331,107,600 | 1,588 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 1,452 |
| Cost of funding earning assets | 0.1207% | 4,348 |
| Net interest margin | 3.9171% | 904 |
| Noninterest income to average assets | 0.6926% | 1,848 |
| Noninterest expense to average assets | 2.6025% | 1,828 |
| Loan and lease loss provision to assets | 0.0655% | 1,687 |
| Net operating income to assets | 1.3134% | 1,782 |
| Return on assets (ROA) | 1.3374% | 1,774 |
| Pretax return on assets | 1.7566% | 1,264 |
| Return on Equity (ROE) | 11.1315% | 2,332 |
| Retained earnings to average equity (ytd only) | 9.2857% | 1,577 |
| Net charge-offs to loans | -0.0049% | 3,431 |
| Credit loss provision to net charge-offs | -2,083.3333% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5695% | 3,188 |
| Assets per employee ($millions) | 4.5701% | 4,071 |
| Cash dividends to net income (ytd only)* | 16.5817% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 2,167 |
| Loan loss allowance to noncurrent loans | 291.4962% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 2,086 |
| Noncurrent loans to loans | 0.4677% | 2,155 |
| Net loans and leases to total assets | 62.7646% | 1,915 |
| Net loans and leases to deposits | 73.1352% | 1,945 |
| Net loans and leases to core deposits | 75.1751% | 2,124 |
| Total domestic deposits to total assets | 85.8199% | 2,812 |
| Equity capital to assets | 12.0353% | 1,385 |
| Core capital (leverage) ratio | 10.1886% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $508,629,500 | 1,695 |
| Average earning assets | $480,650,000 | 1,676 |
| Average equity | $61,110,250 | 1,515 |
| Average total loans | $326,117,750 | 1,633 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0345% | 1,482 |
| Cost of funding earning assets | 0.1236% | 4,410 |
| Net interest margin | 3.9109% | 953 |
| Noninterest income to average assets | 0.7110% | 1,765 |
| Noninterest expense to average assets | 2.6363% | 1,758 |
| Loan and lease loss provision to assets | 0.0199% | 2,565 |
| Net operating income to assets | 1.3325% | 1,770 |
| Return on assets (ROA) | 1.3686% | 1,731 |
| Pretax return on assets | 1.7981% | 1,241 |
| Return on Equity (ROE) | 11.3981% | 2,263 |
| Retained earnings to average equity (ytd only) | 8.8383% | 1,762 |
| Net charge-offs to loans | -0.0210% | 4,022 |
| Credit loss provision to net charge-offs | -147.0588% | 3,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1413% | 3,133 |
| Assets per employee ($millions) | 4.4456% | 4,142 |
| Cash dividends to net income (ytd only)* | 22.4579% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 2,262 |
| Loan loss allowance to noncurrent loans | 283.7435% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 2,380 |
| Noncurrent loans to loans | 0.4708% | 2,265 |
| Net loans and leases to total assets | 61.1635% | 2,286 |
| Net loans and leases to deposits | 71.0637% | 2,293 |
| Net loans and leases to core deposits | 72.7865% | 2,542 |
| Total domestic deposits to total assets | 86.0685% | 2,718 |
| Equity capital to assets | 11.6276% | 1,555 |
| Core capital (leverage) ratio | 10.1681% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $502,985,333 | 1,704 |
| Average earning assets | $475,546,667 | 1,683 |
| Average equity | $60,396,000 | 1,516 |
| Average total loans | $323,348,333 | 1,646 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0941% | 1,402 |
| Cost of funding earning assets | 0.1313% | 4,449 |
| Net interest margin | 3.9627% | 893 |
| Noninterest income to average assets | 0.7045% | 1,858 |
| Noninterest expense to average assets | 2.4524% | 2,321 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5049% | 1,321 |
| Return on assets (ROA) | 1.5797% | 1,220 |
| Pretax return on assets | 2.0908% | 817 |
| Return on Equity (ROE) | 12.9350% | 1,686 |
| Retained earnings to average equity (ytd only) | 12.8949% | 940 |
| Net charge-offs to loans | -0.0972% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4504% | 3,737 |
| Assets per employee ($millions) | 4.4602% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.3101% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 2,153 |
| Loan loss allowance to noncurrent loans | 298.6348% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 2,643 |
| Noncurrent loans to loans | 0.4553% | 2,494 |
| Net loans and leases to total assets | 63.5300% | 2,100 |
| Net loans and leases to deposits | 74.1867% | 2,096 |
| Net loans and leases to core deposits | 75.8294% | 2,370 |
| Total domestic deposits to total assets | 85.6353% | 2,879 |
| Equity capital to assets | 12.0584% | 1,256 |
| Core capital (leverage) ratio | 10.5939% | 2,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $489,965,000 | 1,728 |
| Average earning assets | $462,914,500 | 1,707 |
| Average equity | $59,837,500 | 1,523 |
| Average total loans | $321,046,500 | 1,665 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 2,632 |
| Cost of funding earning assets | 0.2940% | 4,181 |
| Net interest margin | 3.7384% | 1,675 |
| Noninterest income to average assets | 0.6961% | 1,877 |
| Noninterest expense to average assets | 2.7831% | 1,987 |
| Loan and lease loss provision to assets | 0.2748% | 1,399 |
| Net operating income to assets | 0.9438% | 2,508 |
| Return on assets (ROA) | 0.9639% | 2,571 |
| Pretax return on assets | 1.2166% | 2,274 |
| Return on Equity (ROE) | 7.5992% | 2,962 |
| Retained earnings to average equity (ytd only) | 2.3762% | 3,673 |
| Net charge-offs to loans | 0.1719% | 967 |
| Credit loss provision to net charge-offs | 245.9725% | 1,958 |
| Earnings coverage of net charge-offs (x) | 13.1198% | 2,297 |
| Efficiency ratio | 64.7448% | 2,711 |
| Assets per employee ($millions) | 4.3278% | 4,089 |
| Cash dividends to net income (ytd only)* | 68.7315% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 2,227 |
| Loan loss allowance to noncurrent loans | 250.1164% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 2,479 |
| Noncurrent loans to loans | 0.5363% | 2,369 |
| Net loans and leases to total assets | 65.7931% | 2,124 |
| Net loans and leases to deposits | 77.4617% | 2,125 |
| Net loans and leases to core deposits | 79.3752% | 2,415 |
| Total domestic deposits to total assets | 84.9362% | 2,788 |
| Equity capital to assets | 12.3730% | 1,380 |
| Core capital (leverage) ratio | 10.4981% | 2,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $455,527,400 | 1,683 |
| Average earning assets | $432,939,200 | 1,654 |
| Average equity | $57,782,400 | 1,487 |
| Average total loans | $296,077,400 | 1,699 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 2,871 |
| Cost of funding earning assets | 0.3259% | 4,185 |
| Net interest margin | 3.7110% | 1,904 |
| Noninterest income to average assets | 0.7689% | 1,597 |
| Noninterest expense to average assets | 2.6558% | 2,373 |
| Loan and lease loss provision to assets | 0.3018% | 1,336 |
| Net operating income to assets | 1.0545% | 2,127 |
| Return on assets (ROA) | 1.0795% | 2,177 |
| Pretax return on assets | 1.3769% | 1,804 |
| Return on Equity (ROE) | 8.4551% | 2,621 |
| Retained earnings to average equity (ytd only) | 3.1120% | 3,469 |
| Net charge-offs to loans | 0.1733% | 852 |
| Credit loss provision to net charge-offs | 269.7613% | 1,858 |
| Earnings coverage of net charge-offs (x) | 14.7215% | 2,136 |
| Efficiency ratio | 60.9655% | 3,223 |
| Assets per employee ($millions) | 4.0744% | 4,264 |
| Cash dividends to net income (ytd only)* | 63.1941% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 1,858 |
| Loan loss allowance to noncurrent loans | 217.6959% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 2,508 |
| Noncurrent loans to loans | 0.6310% | 2,216 |
| Net loans and leases to total assets | 64.8420% | 2,653 |
| Net loans and leases to deposits | 76.6341% | 2,694 |
| Net loans and leases to core deposits | 78.1398% | 2,992 |
| Total domestic deposits to total assets | 84.6125% | 2,590 |
| Equity capital to assets | 12.7810% | 1,291 |
| Core capital (leverage) ratio | 10.5660% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $449,313,000 | 1,681 |
| Average earning assets | $427,870,750 | 1,642 |
| Average equity | $57,368,500 | 1,489 |
| Average total loans | $290,007,500 | 1,722 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0735% | 3,113 |
| Cost of funding earning assets | 0.3558% | 4,244 |
| Net interest margin | 3.7177% | 2,100 |
| Noninterest income to average assets | 0.7446% | 1,592 |
| Noninterest expense to average assets | 2.7043% | 2,373 |
| Loan and lease loss provision to assets | 0.3408% | 1,256 |
| Net operating income to assets | 0.9850% | 2,380 |
| Return on assets (ROA) | 1.0206% | 2,380 |
| Pretax return on assets | 1.2957% | 2,040 |
| Return on Equity (ROE) | 7.9961% | 2,751 |
| Retained earnings to average equity (ytd only) | -0.0917% | 4,320 |
| Net charge-offs to loans | 0.1994% | 767 |
| Credit loss provision to net charge-offs | 266.5493% | 1,703 |
| Earnings coverage of net charge-offs (x) | 12.4472% | 2,052 |
| Efficiency ratio | 62.1882% | 3,099 |
| Assets per employee ($millions) | 4.1989% | 4,108 |
| Cash dividends to net income (ytd only)* | 101.1469% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 1,714 |
| Loan loss allowance to noncurrent loans | 175.1304% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 2,414 |
| Noncurrent loans to loans | 0.7792% | 1,939 |
| Net loans and leases to total assets | 60.2957% | 3,292 |
| Net loans and leases to deposits | 70.1310% | 3,406 |
| Net loans and leases to core deposits | 71.7000% | 3,607 |
| Total domestic deposits to total assets | 85.9759% | 2,019 |
| Equity capital to assets | 11.9702% | 1,682 |
| Core capital (leverage) ratio | 10.5754% | 2,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $444,255,333 | 1,669 |
| Average earning assets | $424,349,333 | 1,634 |
| Average equity | $56,702,667 | 1,491 |
| Average total loans | $284,884,333 | 1,726 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 3,019 |
| Cost of funding earning assets | 0.3980% | 4,368 |
| Net interest margin | 3.8670% | 1,771 |
| Noninterest income to average assets | 0.7144% | 1,592 |
| Noninterest expense to average assets | 2.6243% | 2,908 |
| Loan and lease loss provision to assets | 0.3878% | 789 |
| Net operating income to assets | 1.0893% | 1,878 |
| Return on assets (ROA) | 1.1644% | 1,755 |
| Pretax return on assets | 1.4920% | 1,325 |
| Return on Equity (ROE) | 8.8116% | 2,189 |
| Retained earnings to average equity (ytd only) | -2.7995% | 4,329 |
| Net charge-offs to loans | 0.1401% | 895 |
| Credit loss provision to net charge-offs | 420.4082% | 970 |
| Earnings coverage of net charge-offs (x) | 19.3469% | 1,439 |
| Efficiency ratio | 58.7319% | 3,909 |
| Assets per employee ($millions) | 3.6760% | 4,304 |
| Cash dividends to net income (ytd only)* | 131.7704% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 1,776 |
| Loan loss allowance to noncurrent loans | 268.4247% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.3572% | 3,007 |
| Noncurrent loans to loans | 0.5137% | 2,727 |
| Net loans and leases to total assets | 64.8819% | 2,957 |
| Net loans and leases to deposits | 75.8452% | 3,086 |
| Net loans and leases to core deposits | 77.9686% | 3,357 |
| Total domestic deposits to total assets | 85.5451% | 2,194 |
| Equity capital to assets | 13.2036% | 1,338 |
| Core capital (leverage) ratio | 11.1417% | 2,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $424,945,500 | 1,696 |
| Average earning assets | $406,001,500 | 1,648 |
| Average equity | $56,153,500 | 1,496 |
| Average total loans | $279,736,000 | 1,717 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2819% | 3,587 |
| Cost of funding earning assets | 0.3710% | 4,540 |
| Net interest margin | 3.9109% | 2,137 |
| Noninterest income to average assets | 0.7385% | 1,664 |
| Noninterest expense to average assets | 2.8056% | 2,580 |
| Loan and lease loss provision to assets | 0.1053% | 1,967 |
| Net operating income to assets | 1.2199% | 1,981 |
| Return on assets (ROA) | 1.2291% | 2,039 |
| Pretax return on assets | 1.5796% | 1,544 |
| Return on Equity (ROE) | 9.6267% | 2,460 |
| Retained earnings to average equity (ytd only) | 5.8268% | 1,963 |
| Net charge-offs to loans | 0.1330% | 1,445 |
| Credit loss provision to net charge-offs | 125.9259% | 2,028 |
| Earnings coverage of net charge-offs (x) | 20.0057% | 1,959 |
| Efficiency ratio | 61.8642% | 3,404 |
| Assets per employee ($millions) | 3.6824% | 4,282 |
| Cash dividends to net income (ytd only)* | 39.4727% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 2,047 |
| Loan loss allowance to noncurrent loans | 251.9490% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 2,939 |
| Noncurrent loans to loans | 0.5058% | 2,674 |
| Net loans and leases to total assets | 65.0292% | 3,066 |
| Net loans and leases to deposits | 76.0937% | 3,168 |
| Net loans and leases to core deposits | 78.1337% | 3,437 |
| Total domestic deposits to total assets | 85.4594% | 2,315 |
| Equity capital to assets | 13.2251% | 1,403 |
| Core capital (leverage) ratio | 11.2759% | 2,267 |
| Tier 1 risk-based capital ratio | 15.3284% | 2,645 |
| Total risk-based capital ratio | 16.4938% | 2,615 |
| Memoranda: | ||
| Average total assets | $419,656,400 | 1,669 |
| Average earning assets | $401,368,400 | 1,617 |
| Average equity | $53,580,000 | 1,507 |
| Average total loans | $263,969,000 | 1,756 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2723% | 3,740 |
| Cost of funding earning assets | 0.3607% | 4,627 |
| Net interest margin | 3.9116% | 2,212 |
| Noninterest income to average assets | 0.7506% | 1,593 |
| Noninterest expense to average assets | 2.6930% | 2,886 |
| Loan and lease loss provision to assets | 0.1089% | 1,786 |
| Net operating income to assets | 1.3072% | 1,827 |
| Return on assets (ROA) | 1.3120% | 1,881 |
| Pretax return on assets | 1.6950% | 1,345 |
| Return on Equity (ROE) | 10.3697% | 2,263 |
| Retained earnings to average equity (ytd only) | 6.9894% | 1,869 |
| Net charge-offs to loans | 0.0318% | 2,438 |
| Credit loss provision to net charge-offs | 551.6129% | 585 |
| Earnings coverage of net charge-offs (x) | 91.0696% | 797 |
| Efficiency ratio | 59.1860% | 3,784 |
| Assets per employee ($millions) | 3.7219% | 4,252 |
| Cash dividends to net income (ytd only)* | 32.5970% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 1,542 |
| Loan loss allowance to noncurrent loans | 263.2911% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 3,070 |
| Noncurrent loans to loans | 0.5351% | 2,684 |
| Net loans and leases to total assets | 61.7486% | 3,518 |
| Net loans and leases to deposits | 72.1062% | 3,606 |
| Net loans and leases to core deposits | 73.8842% | 3,837 |
| Total domestic deposits to total assets | 85.6356% | 2,147 |
| Equity capital to assets | 13.1209% | 1,554 |
| Core capital (leverage) ratio | 11.2233% | 2,446 |
| Tier 1 risk-based capital ratio | 16.0042% | 2,426 |
| Total risk-based capital ratio | 17.2547% | 2,371 |
| Memoranda: | ||
| Average total assets | $418,701,500 | 1,684 |
| Average earning assets | $400,372,000 | 1,625 |
| Average equity | $52,973,750 | 1,522 |
| Average total loans | $260,226,750 | 1,788 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2707% | 3,727 |
| Cost of funding earning assets | 0.3487% | 4,683 |
| Net interest margin | 3.9220% | 2,182 |
| Noninterest income to average assets | 0.7331% | 1,585 |
| Noninterest expense to average assets | 2.7478% | 2,758 |
| Loan and lease loss provision to assets | 0.0321% | 3,188 |
| Net operating income to assets | 1.3168% | 1,715 |
| Return on assets (ROA) | 1.3156% | 1,777 |
| Pretax return on assets | 1.7028% | 1,264 |
| Return on Equity (ROE) | 10.5310% | 2,164 |
| Retained earnings to average equity (ytd only) | 5.5459% | 2,494 |
| Net charge-offs to loans | 0.0433% | 2,030 |
| Credit loss provision to net charge-offs | 119.6429% | 1,742 |
| Earnings coverage of net charge-offs (x) | 64.6250% | 946 |
| Efficiency ratio | 60.4965% | 3,653 |
| Assets per employee ($millions) | 3.6750% | 4,275 |
| Cash dividends to net income (ytd only)* | 47.3377% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 1,849 |
| Loan loss allowance to noncurrent loans | 256.8367% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 3,206 |
| Noncurrent loans to loans | 0.5222% | 2,716 |
| Net loans and leases to total assets | 60.4868% | 3,695 |
| Net loans and leases to deposits | 70.4852% | 3,800 |
| Net loans and leases to core deposits | 72.1760% | 3,994 |
| Total domestic deposits to total assets | 85.8150% | 2,129 |
| Equity capital to assets | 12.7682% | 1,708 |
| Core capital (leverage) ratio | 10.9894% | 2,609 |
| Tier 1 risk-based capital ratio | 16.0811% | 2,372 |
| Total risk-based capital ratio | 17.3227% | 2,326 |
| Memoranda: | ||
| Average total assets | $416,837,670 | 1,699 |
| Average earning assets | $398,672,330 | 1,637 |
| Average equity | $52,074,670 | 1,535 |
| Average total loans | $258,389,330 | 1,802 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1805% | 3,926 |
| Cost of funding earning assets | 0.3339% | 4,731 |
| Net interest margin | 3.8466% | 2,357 |
| Noninterest income to average assets | 0.7160% | 1,557 |
| Noninterest expense to average assets | 2.5472% | 3,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4155% | 1,337 |
| Return on assets (ROA) | 1.4224% | 1,346 |
| Pretax return on assets | 1.8514% | 871 |
| Return on Equity (ROE) | 11.5154% | 1,730 |
| Retained earnings to average equity (ytd only) | 6.7669% | 2,126 |
| Net charge-offs to loans | 0.0403% | 1,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 73.3462% | 822 |
| Efficiency ratio | 57.2089% | 4,184 |
| Assets per employee ($millions) | 3.6080% | 4,458 |
| Cash dividends to net income (ytd only)* | 41.2364% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 1,929 |
| Loan loss allowance to noncurrent loans | 275.2602% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 3,328 |
| Noncurrent loans to loans | 0.4860% | 2,853 |
| Net loans and leases to total assets | 61.1095% | 3,588 |
| Net loans and leases to deposits | 71.0317% | 3,689 |
| Net loans and leases to core deposits | 72.6286% | 3,901 |
| Total domestic deposits to total assets | 86.0313% | 2,270 |
| Equity capital to assets | 12.5248% | 1,724 |
| Core capital (leverage) ratio | 10.9808% | 2,592 |
| Tier 1 risk-based capital ratio | 15.9134% | 2,479 |
| Total risk-based capital ratio | 17.1457% | 2,420 |
| Memoranda: | ||
| Average total assets | $413,946,000 | 1,715 |
| Average earning assets | $395,358,000 | 1,658 |
| Average equity | $51,131,500 | 1,548 |
| Average total loans | $258,031,500 | 1,819 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0441% | 3,909 |
| Cost of funding earning assets | 0.2481% | 4,818 |
| Net interest margin | 3.7959% | 2,672 |
| Noninterest income to average assets | 0.7527% | 1,633 |
| Noninterest expense to average assets | 2.7153% | 2,977 |
| Loan and lease loss provision to assets | 0.1214% | 1,816 |
| Net operating income to assets | 1.2018% | 2,165 |
| Return on assets (ROA) | 1.2008% | 2,164 |
| Pretax return on assets | 1.5367% | 1,664 |
| Return on Equity (ROE) | 10.3420% | 2,373 |
| Retained earnings to average equity (ytd only) | 7.0019% | 1,671 |
| Net charge-offs to loans | 0.1403% | 1,357 |
| Credit loss provision to net charge-offs | 144.4444% | 1,882 |
| Earnings coverage of net charge-offs (x) | 19.7464% | 2,043 |
| Efficiency ratio | 61.2707% | 3,653 |
| Assets per employee ($millions) | 3.6872% | 4,336 |
| Cash dividends to net income (ytd only)* | 32.2967% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 1,884 |
| Loan loss allowance to noncurrent loans | 296.8295% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 3,316 |
| Noncurrent loans to loans | 0.4505% | 2,924 |
| Net loans and leases to total assets | 61.8942% | 3,577 |
| Net loans and leases to deposits | 71.7284% | 3,692 |
| Net loans and leases to core deposits | 73.3389% | 3,900 |
| Total domestic deposits to total assets | 86.2896% | 2,096 |
| Equity capital to assets | 12.1788% | 1,773 |
| Core capital (leverage) ratio | 10.7565% | 2,781 |
| Tier 1 risk-based capital ratio | 15.3228% | 2,687 |
| Total risk-based capital ratio | 16.5432% | 2,630 |
| Memoranda: | ||
| Average total assets | $417,707,200 | 1,642 |
| Average earning assets | $398,556,800 | 1,596 |
| Average equity | $48,501,400 | 1,556 |
| Average total loans | $250,116,800 | 1,822 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9638% | 4,039 |
| Cost of funding earning assets | 0.2319% | 4,879 |
| Net interest margin | 3.7319% | 2,892 |
| Noninterest income to average assets | 0.7442% | 1,698 |
| Noninterest expense to average assets | 2.6078% | 3,260 |
| Loan and lease loss provision to assets | 0.1614% | 1,194 |
| Net operating income to assets | 1.1993% | 2,242 |
| Return on assets (ROA) | 1.2006% | 2,239 |
| Pretax return on assets | 1.5367% | 1,782 |
| Return on Equity (ROE) | 10.4660% | 2,405 |
| Retained earnings to average equity (ytd only) | 8.0076% | 1,652 |
| Net charge-offs to loans | 0.1947% | 859 |
| Credit loss provision to net charge-offs | 140.0552% | 1,808 |
| Earnings coverage of net charge-offs (x) | 14.7239% | 2,273 |
| Efficiency ratio | 59.7722% | 3,845 |
| Assets per employee ($millions) | 3.7146% | 4,288 |
| Cash dividends to net income (ytd only)* | 23.4888% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 1,829 |
| Loan loss allowance to noncurrent loans | 281.8776% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3678% | 3,199 |
| Noncurrent loans to loans | 0.4842% | 2,937 |
| Net loans and leases to total assets | 59.9856% | 3,845 |
| Net loans and leases to deposits | 68.7904% | 4,000 |
| Net loans and leases to core deposits | 70.4045% | 4,167 |
| Total domestic deposits to total assets | 87.2005% | 1,639 |
| Equity capital to assets | 11.7039% | 2,101 |
| Core capital (leverage) ratio | 10.4900% | 3,093 |
| Tier 1 risk-based capital ratio | 15.2219% | 2,776 |
| Total risk-based capital ratio | 16.4457% | 2,715 |
| Memoranda: | ||
| Average total assets | $418,891,250 | 1,637 |
| Average earning assets | $399,608,500 | 1,598 |
| Average equity | $48,053,000 | 1,566 |
| Average total loans | $247,878,750 | 1,842 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 4,056 |
| Cost of funding earning assets | 0.2175% | 4,934 |
| Net interest margin | 3.6908% | 2,965 |
| Noninterest income to average assets | 0.7307% | 1,740 |
| Noninterest expense to average assets | 2.6067% | 3,308 |
| Loan and lease loss provision to assets | 0.1901% | 918 |
| Net operating income to assets | 1.1424% | 2,423 |
| Return on assets (ROA) | 1.1500% | 2,395 |
| Pretax return on assets | 1.4677% | 1,937 |
| Return on Equity (ROE) | 10.0920% | 2,524 |
| Retained earnings to average equity (ytd only) | 6.6012% | 2,259 |
| Net charge-offs to loans | 0.2535% | 628 |
| Credit loss provision to net charge-offs | 127.8846% | 1,735 |
| Earnings coverage of net charge-offs (x) | 11.0897% | 2,293 |
| Efficiency ratio | 60.4456% | 3,877 |
| Assets per employee ($millions) | 3.7991% | 4,215 |
| Cash dividends to net income (ytd only)* | 34.5899% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 1,834 |
| Loan loss allowance to noncurrent loans | 269.0174% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 3,297 |
| Noncurrent loans to loans | 0.5106% | 2,886 |
| Net loans and leases to total assets | 57.2836% | 4,061 |
| Net loans and leases to deposits | 65.4557% | 4,193 |
| Net loans and leases to core deposits | 66.8695% | 4,320 |
| Total domestic deposits to total assets | 87.5150% | 1,638 |
| Equity capital to assets | 11.2704% | 2,387 |
| Core capital (leverage) ratio | 10.1480% | 3,419 |
| Tier 1 risk-based capital ratio | 15.1554% | 2,800 |
| Total risk-based capital ratio | 16.3921% | 2,728 |
| Memoranda: | ||
| Average total assets | $419,844,000 | 1,640 |
| Average earning assets | $400,890,670 | 1,604 |
| Average equity | $47,840,000 | 1,577 |
| Average total loans | $246,167,330 | 1,857 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 4,048 |
| Cost of funding earning assets | 0.2200% | 4,895 |
| Net interest margin | 3.6402% | 3,028 |
| Noninterest income to average assets | 0.7079% | 1,793 |
| Noninterest expense to average assets | 2.4968% | 3,657 |
| Loan and lease loss provision to assets | 0.1554% | 1,165 |
| Net operating income to assets | 1.1971% | 2,017 |
| Return on assets (ROA) | 1.1971% | 2,032 |
| Pretax return on assets | 1.5309% | 1,593 |
| Return on Equity (ROE) | 10.4474% | 2,205 |
| Retained earnings to average equity (ytd only) | 9.3341% | 1,349 |
| Net charge-offs to loans | 0.2996% | 504 |
| Credit loss provision to net charge-offs | 88.0435% | 1,681 |
| Earnings coverage of net charge-offs (x) | 9.5543% | 1,956 |
| Efficiency ratio | 58.8397% | 4,241 |
| Assets per employee ($millions) | 3.6332% | 4,497 |
| Cash dividends to net income (ytd only)* | 10.6571% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 2,063 |
| Loan loss allowance to noncurrent loans | 97.2477% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.8769% | 1,815 |
| Noncurrent loans to loans | 1.3763% | 1,304 |
| Net loans and leases to total assets | 58.4833% | 3,894 |
| Net loans and leases to deposits | 67.0677% | 4,016 |
| Net loans and leases to core deposits | 68.4831% | 4,189 |
| Total domestic deposits to total assets | 87.2004% | 2,045 |
| Equity capital to assets | 11.4968% | 2,137 |
| Core capital (leverage) ratio | 10.1234% | 3,396 |
| Tier 1 risk-based capital ratio | 14.9276% | 2,898 |
| Total risk-based capital ratio | 16.1210% | 2,873 |
| Memoranda: | ||
| Average total assets | $417,014,000 | 1,659 |
| Average earning assets | $398,107,500 | 1,621 |
| Average equity | $47,782,000 | 1,587 |
| Average total loans | $245,681,500 | 1,875 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8549% | 3,872 |
| Cost of funding earning assets | 0.2293% | 4,732 |
| Net interest margin | 3.6256% | 3,084 |
| Noninterest income to average assets | 0.7881% | 1,615 |
| Noninterest expense to average assets | 2.8026% | 2,763 |
| Loan and lease loss provision to assets | 0.2093% | 955 |
| Net operating income to assets | 0.8137% | 3,103 |
| Return on assets (ROA) | 0.8307% | 3,063 |
| Pretax return on assets | 1.2610% | 2,502 |
| Return on Equity (ROE) | 6.8279% | 3,364 |
| Retained earnings to average equity (ytd only) | 3.8408% | 2,914 |
| Net charge-offs to loans | 0.0325% | 3,134 |
| Credit loss provision to net charge-offs | 1,171.4286% | 316 |
| Earnings coverage of net charge-offs (x) | 80.8571% | 767 |
| Efficiency ratio | 65.4047% | 3,361 |
| Assets per employee ($millions) | 3.7154% | 4,411 |
| Cash dividends to net income (ytd only)* | 43.7481% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 1,994 |
| Loan loss allowance to noncurrent loans | 83.8317% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 0.9608% | 1,614 |
| Noncurrent loans to loans | 1.6051% | 1,039 |
| Net loans and leases to total assets | 57.7692% | 4,023 |
| Net loans and leases to deposits | 66.2276% | 4,169 |
| Net loans and leases to core deposits | 67.9641% | 4,298 |
| Total domestic deposits to total assets | 87.2283% | 1,889 |
| Equity capital to assets | 11.4200% | 2,260 |
| Core capital (leverage) ratio | 9.7642% | 3,731 |
| Tier 1 risk-based capital ratio | 14.6726% | 3,004 |
| Total risk-based capital ratio | 15.8793% | 2,950 |
| Memoranda: | ||
| Average total assets | $391,821,400 | 1,742 |
| Average earning assets | $373,813,000 | 1,689 |
| Average equity | $47,672,400 | 1,573 |
| Average total loans | $215,559,200 | 2,030 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7700% | 4,103 |
| Cost of funding earning assets | 0.2235% | 4,783 |
| Net interest margin | 3.5465% | 3,329 |
| Noninterest income to average assets | 0.8139% | 1,536 |
| Noninterest expense to average assets | 2.6894% | 3,096 |
| Loan and lease loss provision to assets | 0.1958% | 976 |
| Net operating income to assets | 0.9541% | 2,755 |
| Return on assets (ROA) | 0.9649% | 2,763 |
| Pretax return on assets | 1.3246% | 2,381 |
| Return on Equity (ROE) | 7.8003% | 3,235 |
| Retained earnings to average equity (ytd only) | 5.3692% | 2,629 |
| Net charge-offs to loans | 0.0083% | 3,430 |
| Credit loss provision to net charge-offs | 4,346.1538% | 106 |
| Earnings coverage of net charge-offs (x) | 334.2868% | 276 |
| Efficiency ratio | 63.6078% | 3,624 |
| Assets per employee ($millions) | 3.8747% | 4,200 |
| Cash dividends to net income (ytd only)* | 31.1669% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 2,350 |
| Loan loss allowance to noncurrent loans | 220.5674% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 3,675 |
| Noncurrent loans to loans | 0.5898% | 2,933 |
| Net loans and leases to total assets | 55.3565% | 4,289 |
| Net loans and leases to deposits | 63.7861% | 4,391 |
| Net loans and leases to core deposits | 65.7164% | 4,502 |
| Total domestic deposits to total assets | 86.7846% | 1,963 |
| Equity capital to assets | 11.4438% | 2,428 |
| Core capital (leverage) ratio | 9.5366% | 4,115 |
| Tier 1 risk-based capital ratio | 14.7562% | 3,032 |
| Total risk-based capital ratio | 15.8978% | 3,021 |
| Memoranda: | ||
| Average total assets | $384,816,000 | 1,787 |
| Average earning assets | $366,847,500 | 1,736 |
| Average equity | $47,604,000 | 1,596 |
| Average total loans | $207,987,000 | 2,100 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 4,385 |
| Cost of funding earning assets | 0.2164% | 4,828 |
| Net interest margin | 3.4263% | 3,676 |
| Noninterest income to average assets | 0.8636% | 1,380 |
| Noninterest expense to average assets | 2.7185% | 3,019 |
| Loan and lease loss provision to assets | 0.1132% | 1,809 |
| Net operating income to assets | 0.9546% | 2,636 |
| Return on assets (ROA) | 0.9633% | 2,651 |
| Pretax return on assets | 1.3126% | 2,340 |
| Return on Equity (ROE) | 7.5698% | 3,259 |
| Retained earnings to average equity (ytd only) | 4.6639% | 2,935 |
| Net charge-offs to loans | -0.0071% | 4,429 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4709% | 3,438 |
| Assets per employee ($millions) | 3.8336% | 4,226 |
| Cash dividends to net income (ytd only)* | 38.3884% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 3,184 |
| Loan loss allowance to noncurrent loans | 174.6381% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 3,643 |
| Noncurrent loans to loans | 0.6712% | 2,740 |
| Net loans and leases to total assets | 53.5342% | 4,435 |
| Net loans and leases to deposits | 61.4681% | 4,534 |
| Net loans and leases to core deposits | 62.9964% | 4,668 |
| Total domestic deposits to total assets | 87.0927% | 1,904 |
| Equity capital to assets | 11.0813% | 2,724 |
| Core capital (leverage) ratio | 10.0682% | 3,446 |
| Tier 1 risk-based capital ratio | 14.6381% | 3,091 |
| Total risk-based capital ratio | 15.6624% | 3,141 |
| Memoranda: | ||
| Average total assets | $371,016,670 | 1,845 |
| Average earning assets | $353,964,670 | 1,797 |
| Average equity | $47,213,670 | 1,610 |
| Average total loans | $197,633,670 | 2,189 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 4,734 |
| Cost of funding earning assets | 0.2000% | 4,973 |
| Net interest margin | 3.2846% | 4,067 |
| Noninterest income to average assets | 0.8071% | 1,524 |
| Noninterest expense to average assets | 2.6129% | 3,448 |
| Loan and lease loss provision to assets | 0.1243% | 1,546 |
| Net operating income to assets | 0.9077% | 2,724 |
| Return on assets (ROA) | 0.9077% | 2,777 |
| Pretax return on assets | 1.1988% | 2,602 |
| Return on Equity (ROE) | 6.5828% | 3,616 |
| Retained earnings to average equity (ytd only) | 5.7245% | 2,481 |
| Net charge-offs to loans | -0.0180% | 4,684 |
| Credit loss provision to net charge-offs | -1,312.5000% | 4,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3860% | 3,429 |
| Assets per employee ($millions) | 3.4544% | 4,853 |
| Cash dividends to net income (ytd only)* | 13.0378% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 1,726 |
| Loan loss allowance to noncurrent loans | 448.9076% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 4,350 |
| Noncurrent loans to loans | 0.3321% | 3,917 |
| Net loans and leases to total assets | 52.1400% | 4,505 |
| Net loans and leases to deposits | 61.4684% | 4,466 |
| Net loans and leases to core deposits | 62.2659% | 4,635 |
| Total domestic deposits to total assets | 84.8240% | 3,156 |
| Equity capital to assets | 13.8804% | 942 |
| Core capital (leverage) ratio | 12.4888% | 1,344 |
| Tier 1 risk-based capital ratio | 19.9391% | 1,408 |
| Total risk-based capital ratio | 21.1891% | 1,377 |
| Memoranda: | ||
| Average total assets | $338,012,500 | 2,004 |
| Average earning assets | $321,987,000 | 1,958 |
| Average equity | $46,606,500 | 1,626 |
| Average total loans | $178,084,000 | 2,381 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4564% | 4,876 |
| Cost of funding earning assets | 0.2067% | 4,952 |
| Net interest margin | 3.2497% | 4,300 |
| Noninterest income to average assets | 0.7689% | 1,885 |
| Noninterest expense to average assets | 2.7721% | 3,115 |
| Loan and lease loss provision to assets | 0.1068% | 2,266 |
| Net operating income to assets | 0.7778% | 3,413 |
| Return on assets (ROA) | 0.7778% | 3,518 |
| Pretax return on assets | 0.9743% | 3,565 |
| Return on Equity (ROE) | 5.5414% | 4,189 |
| Retained earnings to average equity (ytd only) | 1.8352% | 4,483 |
| Net charge-offs to loans | 0.2363% | 1,182 |
| Credit loss provision to net charge-offs | 88.4521% | 2,832 |
| Earnings coverage of net charge-offs (x) | 8.9509% | 2,810 |
| Efficiency ratio | 71.9424% | 2,597 |
| Assets per employee ($millions) | 3.4438% | 4,836 |
| Cash dividends to net income (ytd only)* | 66.8829% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 1,893 |
| Loan loss allowance to noncurrent loans | 427.0451% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 4,264 |
| Noncurrent loans to loans | 0.3384% | 3,924 |
| Net loans and leases to total assets | 51.6836% | 4,639 |
| Net loans and leases to deposits | 60.8470% | 4,621 |
| Net loans and leases to core deposits | 61.5812% | 4,773 |
| Total domestic deposits to total assets | 84.9403% | 3,079 |
| Equity capital to assets | 13.6961% | 984 |
| Core capital (leverage) ratio | 12.2593% | 1,450 |
| Tier 1 risk-based capital ratio | 19.7193% | 1,434 |
| Total risk-based capital ratio | 20.9617% | 1,400 |
| Memoranda: | ||
| Average total assets | $336,962,800 | 1,966 |
| Average earning assets | $319,814,800 | 1,920 |
| Average equity | $47,298,200 | 1,596 |
| Average total loans | $172,219,200 | 2,394 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4252% | 4,972 |
| Cost of funding earning assets | 0.2043% | 5,026 |
| Net interest margin | 3.2209% | 4,425 |
| Noninterest income to average assets | 0.7845% | 1,828 |
| Noninterest expense to average assets | 2.6664% | 3,441 |
| Loan and lease loss provision to assets | 0.1069% | 2,145 |
| Net operating income to assets | 0.8352% | 3,218 |
| Return on assets (ROA) | 0.8352% | 3,340 |
| Pretax return on assets | 1.0688% | 3,357 |
| Return on Equity (ROE) | 5.9143% | 4,109 |
| Retained earnings to average equity (ytd only) | 2.6797% | 4,300 |
| Net charge-offs to loans | 0.2308% | 1,018 |
| Credit loss provision to net charge-offs | 91.2162% | 2,511 |
| Earnings coverage of net charge-offs (x) | 10.0337% | 2,618 |
| Efficiency ratio | 69.4004% | 2,983 |
| Assets per employee ($millions) | 3.4421% | 4,851 |
| Cash dividends to net income (ytd only)* | 54.6921% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 1,909 |
| Loan loss allowance to noncurrent loans | 277.9095% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3602% | 3,973 |
| Noncurrent loans to loans | 0.5271% | 3,413 |
| Net loans and leases to total assets | 50.3969% | 4,796 |
| Net loans and leases to deposits | 59.3764% | 4,799 |
| Net loans and leases to core deposits | 60.0743% | 4,928 |
| Total domestic deposits to total assets | 84.8769% | 2,864 |
| Equity capital to assets | 13.9410% | 1,059 |
| Core capital (leverage) ratio | 12.3718% | 1,457 |
| Tier 1 risk-based capital ratio | 19.6406% | 1,513 |
| Total risk-based capital ratio | 20.8855% | 1,482 |
| Memoranda: | ||
| Average total assets | $336,831,000 | 1,971 |
| Average earning assets | $319,738,500 | 1,925 |
| Average equity | $47,567,000 | 1,594 |
| Average total loans | $171,027,750 | 2,403 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4203% | 5,038 |
| Cost of funding earning assets | 0.2049% | 5,093 |
| Net interest margin | 3.2154% | 4,496 |
| Noninterest income to average assets | 0.7877% | 1,771 |
| Noninterest expense to average assets | 2.5857% | 3,771 |
| Loan and lease loss provision to assets | 0.1077% | 2,062 |
| Net operating income to assets | 0.8823% | 2,955 |
| Return on assets (ROA) | 0.8823% | 3,077 |
| Pretax return on assets | 1.1454% | 3,005 |
| Return on Equity (ROE) | 6.2200% | 3,954 |
| Retained earnings to average equity (ytd only) | 3.4917% | 3,673 |
| Net charge-offs to loans | 0.1677% | 1,334 |
| Credit loss provision to net charge-offs | 126.7606% | 1,788 |
| Earnings coverage of net charge-offs (x) | 14.7535% | 2,044 |
| Efficiency ratio | 67.3574% | 3,473 |
| Assets per employee ($millions) | 3.6137% | 4,580 |
| Cash dividends to net income (ytd only)* | 43.8644% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 1,743 |
| Loan loss allowance to noncurrent loans | 237.0404% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 3,987 |
| Noncurrent loans to loans | 0.6468% | 3,136 |
| Net loans and leases to total assets | 49.4433% | 4,878 |
| Net loans and leases to deposits | 59.4339% | 4,828 |
| Net loans and leases to core deposits | 60.1468% | 4,973 |
| Total domestic deposits to total assets | 83.1904% | 3,576 |
| Equity capital to assets | 14.0120% | 1,023 |
| Core capital (leverage) ratio | 12.2747% | 1,470 |
| Tier 1 risk-based capital ratio | 20.1165% | 1,437 |
| Total risk-based capital ratio | 21.3669% | 1,404 |
| Memoranda: | ||
| Average total assets | $334,372,000 | 1,994 |
| Average earning assets | $317,286,330 | 1,946 |
| Average equity | $47,427,330 | 1,600 |
| Average total loans | $169,354,000 | 2,425 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4225% | 5,075 |
| Cost of funding earning assets | 0.2038% | 5,167 |
| Net interest margin | 3.2186% | 4,519 |
| Noninterest income to average assets | 0.7663% | 1,748 |
| Noninterest expense to average assets | 2.5571% | 3,889 |
| Loan and lease loss provision to assets | 0.1091% | 1,902 |
| Net operating income to assets | 0.8851% | 2,830 |
| Return on assets (ROA) | 0.8851% | 2,955 |
| Pretax return on assets | 1.1446% | 2,915 |
| Return on Equity (ROE) | 6.2010% | 3,876 |
| Retained earnings to average equity (ytd only) | 5.4874% | 2,660 |
| Net charge-offs to loans | 0.3527% | 634 |
| Credit loss provision to net charge-offs | 60.8108% | 1,976 |
| Earnings coverage of net charge-offs (x) | 6.9865% | 2,189 |
| Efficiency ratio | 67.1015% | 3,615 |
| Assets per employee ($millions) | 3.6165% | 4,617 |
| Cash dividends to net income (ytd only)* | 11.5068% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 1,876 |
| Loan loss allowance to noncurrent loans | 171.1694% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4995% | 3,606 |
| Noncurrent loans to loans | 0.8913% | 2,617 |
| Net loans and leases to total assets | 49.4133% | 4,850 |
| Net loans and leases to deposits | 58.5671% | 4,813 |
| Net loans and leases to core deposits | 59.2265% | 4,989 |
| Total domestic deposits to total assets | 84.3704% | 3,370 |
| Equity capital to assets | 14.3186% | 877 |
| Core capital (leverage) ratio | 12.6046% | 1,300 |
| Tier 1 risk-based capital ratio | 21.0299% | 1,318 |
| Total risk-based capital ratio | 22.2804% | 1,286 |
| Memoranda: | ||
| Average total assets | $329,909,000 | 2,027 |
| Average earning assets | $312,056,500 | 1,984 |
| Average equity | $47,089,500 | 1,595 |
| Average total loans | $167,840,500 | 2,428 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4462% | 5,053 |
| Cost of funding earning assets | 0.2050% | 5,241 |
| Net interest margin | 3.2411% | 4,502 |
| Noninterest income to average assets | 0.7067% | 2,170 |
| Noninterest expense to average assets | 2.7393% | 3,450 |
| Loan and lease loss provision to assets | 0.1078% | 2,194 |
| Net operating income to assets | 0.7614% | 3,519 |
| Return on assets (ROA) | 0.7614% | 3,607 |
| Pretax return on assets | 0.9258% | 3,745 |
| Return on Equity (ROE) | 5.4145% | 4,325 |
| Retained earnings to average equity (ytd only) | 0.8088% | 5,198 |
| Net charge-offs to loans | 0.0460% | 3,296 |
| Credit loss provision to net charge-offs | 473.6842% | 658 |
| Earnings coverage of net charge-offs (x) | 45.4342% | 1,071 |
| Efficiency ratio | 72.6061% | 2,812 |
| Assets per employee ($millions) | 3.5555% | 4,712 |
| Cash dividends to net income (ytd only)* | 85.0629% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5439% | 1,823 |
| Loan loss allowance to noncurrent loans | 172.1745% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 3,580 |
| Noncurrent loans to loans | 0.8967% | 2,546 |
| Net loans and leases to total assets | 50.7863% | 4,799 |
| Net loans and leases to deposits | 60.3293% | 4,750 |
| Net loans and leases to core deposits | 61.0431% | 4,928 |
| Total domestic deposits to total assets | 84.1818% | 3,411 |
| Equity capital to assets | 14.2276% | 857 |
| Core capital (leverage) ratio | 12.1882% | 1,507 |
| Tier 1 risk-based capital ratio | 20.7447% | 1,341 |
| Total risk-based capital ratio | 21.9958% | 1,314 |
| Memoranda: | ||
| Average total assets | $334,102,800 | 1,969 |
| Average earning assets | $316,062,800 | 1,914 |
| Average equity | $46,984,600 | 1,575 |
| Average total loans | $165,075,400 | 2,400 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4224% | 5,156 |
| Cost of funding earning assets | 0.2032% | 5,349 |
| Net interest margin | 3.2192% | 4,614 |
| Noninterest income to average assets | 0.7622% | 1,971 |
| Noninterest expense to average assets | 2.6459% | 3,734 |
| Loan and lease loss provision to assets | 0.1429% | 1,542 |
| Net operating income to assets | 0.8146% | 3,363 |
| Return on assets (ROA) | 0.8146% | 3,452 |
| Pretax return on assets | 1.0179% | 3,546 |
| Return on Equity (ROE) | 5.8093% | 4,241 |
| Retained earnings to average equity (ytd only) | 4.0342% | 3,596 |
| Net charge-offs to loans | 0.0552% | 2,812 |
| Credit loss provision to net charge-offs | 529.4118% | 621 |
| Earnings coverage of net charge-offs (x) | 43.0021% | 1,167 |
| Efficiency ratio | 69.5067% | 3,292 |
| Assets per employee ($millions) | 3.5889% | 4,629 |
| Cash dividends to net income (ytd only)* | 30.5556% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 1,990 |
| Loan loss allowance to noncurrent loans | 162.5000% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6508% | 3,302 |
| Noncurrent loans to loans | 0.9500% | 2,602 |
| Net loans and leases to total assets | 48.8809% | 5,023 |
| Net loans and leases to deposits | 59.3513% | 4,900 |
| Net loans and leases to core deposits | 59.9732% | 5,067 |
| Total domestic deposits to total assets | 82.3587% | 4,047 |
| Equity capital to assets | 13.9499% | 1,045 |
| Core capital (leverage) ratio | 12.4834% | 1,426 |
| Tier 1 risk-based capital ratio | 20.8258% | 1,378 |
| Total risk-based capital ratio | 22.0813% | 1,347 |
| Memoranda: | ||
| Average total assets | $335,852,500 | 1,966 |
| Average earning assets | $317,626,000 | 1,918 |
| Average equity | $47,096,000 | 1,577 |
| Average total loans | $164,162,000 | 2,432 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4318% | 5,158 |
| Cost of funding earning assets | 0.2051% | 5,396 |
| Net interest margin | 3.2267% | 4,576 |
| Noninterest income to average assets | 0.7589% | 1,957 |
| Noninterest expense to average assets | 2.5832% | 3,964 |
| Loan and lease loss provision to assets | 0.1436% | 1,509 |
| Net operating income to assets | 0.8565% | 3,100 |
| Return on assets (ROA) | 0.8565% | 3,206 |
| Pretax return on assets | 1.0827% | 3,245 |
| Return on Equity (ROE) | 6.0971% | 4,079 |
| Retained earnings to average equity (ytd only) | 3.6344% | 3,713 |
| Net charge-offs to loans | -0.0098% | 4,918 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8083% | 3,698 |
| Assets per employee ($millions) | 3.6793% | 4,472 |
| Cash dividends to net income (ytd only)* | 40.3913% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 2,101 |
| Loan loss allowance to noncurrent loans | 146.7162% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 3,198 |
| Noncurrent loans to loans | 1.0517% | 2,540 |
| Net loans and leases to total assets | 48.4289% | 5,060 |
| Net loans and leases to deposits | 57.2288% | 5,047 |
| Net loans and leases to core deposits | 57.8150% | 5,211 |
| Total domestic deposits to total assets | 84.6233% | 3,285 |
| Equity capital to assets | 13.8777% | 1,022 |
| Core capital (leverage) ratio | 12.3186% | 1,474 |
| Tier 1 risk-based capital ratio | 20.8408% | 1,397 |
| Total risk-based capital ratio | 22.1041% | 1,364 |
| Memoranda: | ||
| Average total assets | $334,153,670 | 1,983 |
| Average earning assets | $315,929,330 | 1,943 |
| Average equity | $46,940,670 | 1,591 |
| Average total loans | $162,458,670 | 2,459 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4148% | 5,168 |
| Cost of funding earning assets | 0.2065% | 5,452 |
| Net interest margin | 3.2083% | 4,582 |
| Noninterest income to average assets | 0.7771% | 1,799 |
| Noninterest expense to average assets | 2.5025% | 4,255 |
| Loan and lease loss provision to assets | 0.1446% | 1,414 |
| Net operating income to assets | 0.9145% | 2,680 |
| Return on assets (ROA) | 0.9145% | 2,805 |
| Pretax return on assets | 1.1627% | 2,823 |
| Return on Equity (ROE) | 6.4701% | 3,785 |
| Retained earnings to average equity (ytd only) | 5.7967% | 2,608 |
| Net charge-offs to loans | 0.0175% | 2,815 |
| Credit loss provision to net charge-offs | 1,714.2857% | 226 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 348 |
| Efficiency ratio | 65.6863% | 4,211 |
| Assets per employee ($millions) | 3.5181% | 4,865 |
| Cash dividends to net income (ytd only)* | 10.4084% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 2,432 |
| Loan loss allowance to noncurrent loans | 175.9942% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 3,581 |
| Noncurrent loans to loans | 0.8538% | 3,111 |
| Net loans and leases to total assets | 48.2454% | 5,005 |
| Net loans and leases to deposits | 57.6262% | 4,944 |
| Net loans and leases to core deposits | 58.2840% | 5,105 |
| Total domestic deposits to total assets | 83.7213% | 3,923 |
| Equity capital to assets | 14.3044% | 888 |
| Core capital (leverage) ratio | 12.3620% | 1,421 |
| Tier 1 risk-based capital ratio | 21.5732% | 1,309 |
| Total risk-based capital ratio | 22.8375% | 1,277 |
| Memoranda: | ||
| Average total assets | $331,984,500 | 2,008 |
| Average earning assets | $313,813,000 | 1,971 |
| Average equity | $46,923,500 | 1,595 |
| Average total loans | $160,439,500 | 2,487 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4257% | 5,475 |
| Cost of funding earning assets | 0.2304% | 5,520 |
| Net interest margin | 3.1953% | 4,936 |
| Noninterest income to average assets | 0.7932% | 1,906 |
| Noninterest expense to average assets | 2.7158% | 3,810 |
| Loan and lease loss provision to assets | 0.1149% | 2,251 |
| Net operating income to assets | 0.7798% | 3,473 |
| Return on assets (ROA) | 0.7798% | 3,561 |
| Pretax return on assets | 0.9800% | 3,576 |
| Return on Equity (ROE) | 5.6376% | 4,343 |
| Retained earnings to average equity (ytd only) | 0.2574% | 5,663 |
| Net charge-offs to loans | 0.2753% | 1,572 |
| Credit loss provision to net charge-offs | 87.8719% | 2,687 |
| Earnings coverage of net charge-offs (x) | 8.3730% | 2,887 |
| Efficiency ratio | 71.2682% | 3,332 |
| Assets per employee ($millions) | 3.5835% | 4,750 |
| Cash dividends to net income (ytd only)* | 95.4336% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 2,641 |
| Loan loss allowance to noncurrent loans | 148.4015% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.6403% | 3,659 |
| Noncurrent loans to loans | 0.9843% | 2,869 |
| Net loans and leases to total assets | 46.9820% | 5,252 |
| Net loans and leases to deposits | 56.2441% | 5,166 |
| Net loans and leases to core deposits | 56.9695% | 5,319 |
| Total domestic deposits to total assets | 83.5324% | 3,908 |
| Equity capital to assets | 13.9654% | 961 |
| Core capital (leverage) ratio | 12.0839% | 1,572 |
| Tier 1 risk-based capital ratio | 21.6619% | 1,279 |
| Total risk-based capital ratio | 22.9364% | 1,251 |
| Memoranda: | ||
| Average total assets | $334,197,000 | 1,939 |
| Average earning assets | $315,587,800 | 1,899 |
| Average equity | $46,225,600 | 1,552 |
| Average total loans | $158,717,600 | 2,445 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4174% | 5,560 |
| Cost of funding earning assets | 0.2326% | 5,571 |
| Net interest margin | 3.1849% | 5,012 |
| Noninterest income to average assets | 0.7531% | 2,079 |
| Noninterest expense to average assets | 2.6648% | 3,966 |
| Loan and lease loss provision to assets | 0.1794% | 1,367 |
| Net operating income to assets | 0.7431% | 3,707 |
| Return on assets (ROA) | 0.7431% | 3,810 |
| Pretax return on assets | 0.9174% | 3,916 |
| Return on Equity (ROE) | 5.3856% | 4,542 |
| Retained earnings to average equity (ytd only) | 0.0549% | 5,780 |
| Net charge-offs to loans | 0.0244% | 4,023 |
| Credit loss provision to net charge-offs | 1,551.7241% | 235 |
| Earnings coverage of net charge-offs (x) | 94.8516% | 607 |
| Efficiency ratio | 70.8426% | 3,364 |
| Assets per employee ($millions) | 3.5453% | 4,775 |
| Cash dividends to net income (ytd only)* | 98.9808% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 1,796 |
| Loan loss allowance to noncurrent loans | 138.2979% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.7354% | 3,608 |
| Noncurrent loans to loans | 1.2720% | 2,515 |
| Net loans and leases to total assets | 46.3427% | 5,345 |
| Net loans and leases to deposits | 55.3551% | 5,287 |
| Net loans and leases to core deposits | 55.9576% | 5,450 |
| Total domestic deposits to total assets | 83.7189% | 3,872 |
| Equity capital to assets | 13.8236% | 1,064 |
| Core capital (leverage) ratio | 12.0342% | 1,684 |
| Tier 1 risk-based capital ratio | 22.1349% | 1,246 |
| Total risk-based capital ratio | 23.4068% | 1,225 |
| Memoranda: | ||
| Average total assets | $334,429,750 | 1,959 |
| Average earning assets | $315,902,250 | 1,904 |
| Average equity | $46,146,500 | 1,566 |
| Average total loans | $158,673,000 | 2,457 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4116% | 5,603 |
| Cost of funding earning assets | 0.2368% | 5,614 |
| Net interest margin | 3.1748% | 5,026 |
| Noninterest income to average assets | 0.6978% | 2,292 |
| Noninterest expense to average assets | 2.5021% | 4,568 |
| Loan and lease loss provision to assets | 0.1798% | 1,366 |
| Net operating income to assets | 0.8027% | 3,316 |
| Return on assets (ROA) | 0.8027% | 3,422 |
| Pretax return on assets | 1.0131% | 3,432 |
| Return on Equity (ROE) | 5.8206% | 4,258 |
| Retained earnings to average equity (ytd only) | -1.9170% | 5,983 |
| Net charge-offs to loans | 0.0416% | 3,396 |
| Credit loss provision to net charge-offs | 909.0909% | 356 |
| Earnings coverage of net charge-offs (x) | 60.3030% | 803 |
| Efficiency ratio | 67.7158% | 4,059 |
| Assets per employee ($millions) | 3.5298% | 4,792 |
| Cash dividends to net income (ytd only)* | 132.9350% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 2,214 |
| Loan loss allowance to noncurrent loans | 143.8453% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 1.1840% | 2,712 |
| Noncurrent loans to loans | 1.1636% | 2,899 |
| Net loans and leases to total assets | 45.3118% | 5,430 |
| Net loans and leases to deposits | 53.6402% | 5,385 |
| Net loans and leases to core deposits | 54.2077% | 5,534 |
| Total domestic deposits to total assets | 84.4736% | 3,737 |
| Equity capital to assets | 13.5038% | 1,154 |
| Core capital (leverage) ratio | 11.8633% | 1,742 |
| Tier 1 risk-based capital ratio | 21.7160% | 1,307 |
| Total risk-based capital ratio | 22.9865% | 1,281 |
| Memoranda: | ||
| Average total assets | $333,639,000 | 1,958 |
| Average earning assets | $314,984,330 | 1,904 |
| Average equity | $46,009,330 | 1,558 |
| Average total loans | $158,604,670 | 2,465 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4510% | 5,534 |
| Cost of funding earning assets | 0.2443% | 5,641 |
| Net interest margin | 3.2067% | 4,903 |
| Noninterest income to average assets | 0.7556% | 1,936 |
| Noninterest expense to average assets | 2.5135% | 4,576 |
| Loan and lease loss provision to assets | 0.1822% | 1,317 |
| Net operating income to assets | 0.8601% | 2,854 |
| Return on assets (ROA) | 0.8601% | 2,919 |
| Pretax return on assets | 1.0897% | 2,960 |
| Return on Equity (ROE) | 6.1705% | 3,932 |
| Retained earnings to average equity (ytd only) | -3.8783% | 6,048 |
| Net charge-offs to loans | 0.1434% | 1,866 |
| Credit loss provision to net charge-offs | 263.1579% | 877 |
| Earnings coverage of net charge-offs (x) | 18.3684% | 1,420 |
| Efficiency ratio | 66.3992% | 4,465 |
| Assets per employee ($millions) | 3.4125% | 5,126 |
| Cash dividends to net income (ytd only)* | 162.8531% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 2,829 |
| Loan loss allowance to noncurrent loans | 74.8710% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.0631% | 3,130 |
| Noncurrent loans to loans | 2.0982% | 1,760 |
| Net loans and leases to total assets | 46.6958% | 5,256 |
| Net loans and leases to deposits | 55.7153% | 5,134 |
| Net loans and leases to core deposits | 56.3285% | 5,334 |
| Total domestic deposits to total assets | 83.8114% | 4,339 |
| Equity capital to assets | 13.9349% | 940 |
| Core capital (leverage) ratio | 12.1621% | 1,566 |
| Tier 1 risk-based capital ratio | 22.2620% | 1,252 |
| Total risk-based capital ratio | 23.5308% | 1,224 |
| Memoranda: | ||
| Average total assets | $329,262,500 | 1,986 |
| Average earning assets | $311,099,000 | 1,940 |
| Average equity | $45,896,000 | 1,558 |
| Average total loans | $159,014,500 | 2,472 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5677% | 5,487 |
| Cost of funding earning assets | 0.2944% | 5,643 |
| Net interest margin | 3.2733% | 4,762 |
| Noninterest income to average assets | 0.7693% | 2,219 |
| Noninterest expense to average assets | 2.6475% | 4,290 |
| Loan and lease loss provision to assets | 0.4113% | 723 |
| Net operating income to assets | 0.6701% | 3,939 |
| Return on assets (ROA) | 0.6701% | 4,033 |
| Pretax return on assets | 0.8024% | 4,132 |
| Return on Equity (ROE) | 4.8200% | 4,706 |
| Retained earnings to average equity (ytd only) | 1.8847% | 4,898 |
| Net charge-offs to loans | 1.0006% | 582 |
| Credit loss provision to net charge-offs | 86.7379% | 2,846 |
| Earnings coverage of net charge-offs (x) | 2.5594% | 4,153 |
| Efficiency ratio | 68.5657% | 4,086 |
| Assets per employee ($millions) | 3.5216% | 4,855 |
| Cash dividends to net income (ytd only)* | 60.8986% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 3,310 |
| Loan loss allowance to noncurrent loans | 67.7705% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.1490% | 3,099 |
| Noncurrent loans to loans | 2.1759% | 1,798 |
| Net loans and leases to total assets | 48.4315% | 5,247 |
| Net loans and leases to deposits | 57.6548% | 5,153 |
| Net loans and leases to core deposits | 58.2930% | 5,370 |
| Total domestic deposits to total assets | 84.0025% | 4,166 |
| Equity capital to assets | 13.9432% | 921 |
| Core capital (leverage) ratio | 12.2616% | 1,463 |
| Tier 1 risk-based capital ratio | 22.1009% | 1,240 |
| Total risk-based capital ratio | 23.3801% | 1,210 |
| Memoranda: | ||
| Average total assets | $335,482,400 | 1,917 |
| Average earning assets | $316,901,000 | 1,878 |
| Average equity | $46,639,400 | 1,501 |
| Average total loans | $159,002,600 | 2,440 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5677% | 5,529 |
| Cost of funding earning assets | 0.3024% | 5,712 |
| Net interest margin | 3.2653% | 4,770 |
| Noninterest income to average assets | 0.7301% | 2,458 |
| Noninterest expense to average assets | 2.6214% | 4,324 |
| Loan and lease loss provision to assets | 0.4741% | 588 |
| Net operating income to assets | 0.6199% | 4,256 |
| Return on assets (ROA) | 0.6199% | 4,387 |
| Pretax return on assets | 0.7190% | 4,616 |
| Return on Equity (ROE) | 4.4621% | 4,994 |
| Retained earnings to average equity (ytd only) | 2.2040% | 5,001 |
| Net charge-offs to loans | 1.0809% | 525 |
| Credit loss provision to net charge-offs | 93.3852% | 2,552 |
| Earnings coverage of net charge-offs (x) | 2.3502% | 4,052 |
| Efficiency ratio | 68.7209% | 3,954 |
| Assets per employee ($millions) | 3.3940% | 5,076 |
| Cash dividends to net income (ytd only)* | 50.6054% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 3,036 |
| Loan loss allowance to noncurrent loans | 69.1563% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.2794% | 3,087 |
| Noncurrent loans to loans | 2.3015% | 1,906 |
| Net loans and leases to total assets | 46.9517% | 5,455 |
| Net loans and leases to deposits | 56.3114% | 5,347 |
| Net loans and leases to core deposits | 56.9404% | 5,534 |
| Total domestic deposits to total assets | 83.3786% | 4,427 |
| Equity capital to assets | 13.8362% | 1,010 |
| Core capital (leverage) ratio | 11.9160% | 1,722 |
| Tier 1 risk-based capital ratio | 22.2403% | 1,274 |
| Total risk-based capital ratio | 23.5186% | 1,244 |
| Memoranda: | ||
| Average total assets | $337,476,000 | 1,915 |
| Average earning assets | $318,782,000 | 1,880 |
| Average equity | $46,883,000 | 1,507 |
| Average total loans | $158,505,500 | 2,456 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5630% | 5,552 |
| Cost of funding earning assets | 0.3104% | 5,748 |
| Net interest margin | 3.2526% | 4,761 |
| Noninterest income to average assets | 0.7795% | 2,279 |
| Noninterest expense to average assets | 2.5571% | 4,538 |
| Loan and lease loss provision to assets | 0.5173% | 514 |
| Net operating income to assets | 0.6560% | 4,036 |
| Return on assets (ROA) | 0.6560% | 4,198 |
| Pretax return on assets | 0.7789% | 4,393 |
| Return on Equity (ROE) | 4.7161% | 4,890 |
| Retained earnings to average equity (ytd only) | 1.9566% | 5,027 |
| Net charge-offs to loans | 1.3838% | 406 |
| Credit loss provision to net charge-offs | 80.0000% | 2,622 |
| Earnings coverage of net charge-offs (x) | 2.0045% | 3,849 |
| Efficiency ratio | 66.3616% | 4,483 |
| Assets per employee ($millions) | 3.6227% | 4,566 |
| Cash dividends to net income (ytd only)* | 58.5125% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 3,707 |
| Loan loss allowance to noncurrent loans | 58.5976% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 1.2669% | 3,227 |
| Noncurrent loans to loans | 2.5148% | 1,841 |
| Net loans and leases to total assets | 44.9975% | 5,639 |
| Net loans and leases to deposits | 53.3709% | 5,571 |
| Net loans and leases to core deposits | 53.9042% | 5,762 |
| Total domestic deposits to total assets | 84.3108% | 4,196 |
| Equity capital to assets | 13.2928% | 1,225 |
| Core capital (leverage) ratio | 11.7818% | 1,737 |
| Tier 1 risk-based capital ratio | 21.9792% | 1,285 |
| Total risk-based capital ratio | 23.2533% | 1,261 |
| Memoranda: | ||
| Average total assets | $340,229,670 | 1,910 |
| Average earning assets | $321,527,670 | 1,865 |
| Average equity | $47,327,000 | 1,500 |
| Average total loans | $158,983,330 | 2,457 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6312% | 5,358 |
| Cost of funding earning assets | 0.3306% | 5,717 |
| Net interest margin | 3.3006% | 4,515 |
| Noninterest income to average assets | 0.7554% | 2,311 |
| Noninterest expense to average assets | 2.5795% | 4,476 |
| Loan and lease loss provision to assets | 0.2152% | 1,726 |
| Net operating income to assets | 0.8164% | 3,073 |
| Return on assets (ROA) | 0.8164% | 3,212 |
| Pretax return on assets | 1.0758% | 3,041 |
| Return on Equity (ROE) | 5.7353% | 4,183 |
| Retained earnings to average equity (ytd only) | 4.6604% | 3,438 |
| Net charge-offs to loans | 0.0961% | 2,892 |
| Credit loss provision to net charge-offs | 473.6842% | 557 |
| Earnings coverage of net charge-offs (x) | 28.4211% | 985 |
| Efficiency ratio | 66.6461% | 4,548 |
| Assets per employee ($millions) | 3.4624% | 5,061 |
| Cash dividends to net income (ytd only)* | 18.7408% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7083% | 2,970 |
| Loan loss allowance to noncurrent loans | 47.7994% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 1.7091% | 2,728 |
| Noncurrent loans to loans | 3.5740% | 1,336 |
| Net loans and leases to total assets | 46.7006% | 5,362 |
| Net loans and leases to deposits | 56.1320% | 5,224 |
| Net loans and leases to core deposits | 56.7289% | 5,453 |
| Total domestic deposits to total assets | 83.1979% | 4,795 |
| Equity capital to assets | 14.2153% | 957 |
| Core capital (leverage) ratio | 12.0744% | 1,528 |
| Tier 1 risk-based capital ratio | 21.7898% | 1,376 |
| Total risk-based capital ratio | 23.0629% | 1,341 |
| Memoranda: | ||
| Average total assets | $334,643,500 | 1,962 |
| Average earning assets | $315,819,500 | 1,920 |
| Average equity | $47,635,000 | 1,511 |
| Average total loans | $158,231,500 | 2,477 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 5,732 |
| Cost of funding earning assets | 0.4459% | 5,611 |
| Net interest margin | 3.3948% | 4,901 |
| Noninterest income to average assets | 0.7773% | 2,355 |
| Noninterest expense to average assets | 2.6715% | 4,505 |
| Loan and lease loss provision to assets | 0.2149% | 2,985 |
| Net operating income to assets | 0.8355% | 3,114 |
| Return on assets (ROA) | 0.8355% | 3,369 |
| Pretax return on assets | 1.0907% | 3,191 |
| Return on Equity (ROE) | 5.9696% | 4,185 |
| Retained earnings to average equity (ytd only) | 2.8878% | 4,205 |
| Net charge-offs to loans | 0.2529% | 3,423 |
| Credit loss provision to net charge-offs | 192.5134% | 1,361 |
| Earnings coverage of net charge-offs (x) | 11.6952% | 2,003 |
| Efficiency ratio | 67.1720% | 4,298 |
| Assets per employee ($millions) | 3.4024% | 5,209 |
| Cash dividends to net income (ytd only)* | 51.6256% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6470% | 3,123 |
| Loan loss allowance to noncurrent loans | 68.4503% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.1432% | 3,750 |
| Noncurrent loans to loans | 2.4061% | 2,221 |
| Net loans and leases to total assets | 46.2783% | 5,584 |
| Net loans and leases to deposits | 56.0712% | 5,442 |
| Net loans and leases to core deposits | 56.6232% | 5,665 |
| Total domestic deposits to total assets | 82.5349% | 4,917 |
| Equity capital to assets | 14.2540% | 956 |
| Core capital (leverage) ratio | 11.7740% | 1,685 |
| Tier 1 risk-based capital ratio | 21.7845% | 1,305 |
| Total risk-based capital ratio | 23.0519% | 1,276 |
| Memoranda: | ||
| Average total assets | $335,019,000 | 1,928 |
| Average earning assets | $315,773,200 | 1,877 |
| Average equity | $46,887,600 | 1,488 |
| Average total loans | $147,900,000 | 2,603 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8358% | 5,938 |
| Cost of funding earning assets | 0.4636% | 5,694 |
| Net interest margin | 3.3722% | 5,131 |
| Noninterest income to average assets | 0.7414% | 2,523 |
| Noninterest expense to average assets | 2.6232% | 4,662 |
| Loan and lease loss provision to assets | 0.2147% | 2,921 |
| Net operating income to assets | 0.8320% | 3,299 |
| Return on assets (ROA) | 0.8320% | 3,539 |
| Pretax return on assets | 1.0812% | 3,421 |
| Return on Equity (ROE) | 5.9721% | 4,342 |
| Retained earnings to average equity (ytd only) | 3.5895% | 4,351 |
| Net charge-offs to loans | 0.2014% | 3,523 |
| Credit loss provision to net charge-offs | 245.4545% | 1,126 |
| Earnings coverage of net charge-offs (x) | 14.8180% | 1,813 |
| Efficiency ratio | 66.9338% | 4,260 |
| Assets per employee ($millions) | 3.4440% | 5,104 |
| Cash dividends to net income (ytd only)* | 39.8950% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 3,321 |
| Loan loss allowance to noncurrent loans | 63.0982% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.2011% | 3,886 |
| Noncurrent loans to loans | 2.6199% | 2,172 |
| Net loans and leases to total assets | 45.0892% | 5,862 |
| Net loans and leases to deposits | 54.3397% | 5,779 |
| Net loans and leases to core deposits | 54.8230% | 5,982 |
| Total domestic deposits to total assets | 82.9766% | 4,648 |
| Equity capital to assets | 14.0858% | 1,127 |
| Core capital (leverage) ratio | 11.8363% | 1,754 |
| Tier 1 risk-based capital ratio | 21.5625% | 1,409 |
| Total risk-based capital ratio | 22.8271% | 1,380 |
| Memoranda: | ||
| Average total assets | $335,414,500 | 1,945 |
| Average earning assets | $316,069,000 | 1,896 |
| Average equity | $46,727,500 | 1,511 |
| Average total loans | $145,651,750 | 2,664 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8319% | 6,066 |
| Cost of funding earning assets | 0.4798% | 5,758 |
| Net interest margin | 3.3521% | 5,265 |
| Noninterest income to average assets | 0.7200% | 2,551 |
| Noninterest expense to average assets | 2.6189% | 4,714 |
| Loan and lease loss provision to assets | 0.2151% | 2,922 |
| Net operating income to assets | 0.8102% | 3,354 |
| Return on assets (ROA) | 0.8102% | 3,611 |
| Pretax return on assets | 1.0463% | 3,536 |
| Return on Equity (ROE) | 5.8377% | 4,401 |
| Retained earnings to average equity (ytd only) | 2.9964% | 4,647 |
| Net charge-offs to loans | 0.3085% | 2,795 |
| Credit loss provision to net charge-offs | 163.6364% | 1,700 |
| Earnings coverage of net charge-offs (x) | 9.5955% | 2,152 |
| Efficiency ratio | 67.4931% | 4,237 |
| Assets per employee ($millions) | 3.5665% | 4,824 |
| Cash dividends to net income (ytd only)* | 48.6726% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 3,518 |
| Loan loss allowance to noncurrent loans | 61.6062% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.1390% | 4,115 |
| Noncurrent loans to loans | 2.6359% | 2,279 |
| Net loans and leases to total assets | 41.2179% | 6,255 |
| Net loans and leases to deposits | 49.8662% | 6,189 |
| Net loans and leases to core deposits | 50.3382% | 6,324 |
| Total domestic deposits to total assets | 82.6570% | 4,886 |
| Equity capital to assets | 13.4334% | 1,327 |
| Core capital (leverage) ratio | 11.5813% | 1,846 |
| Tier 1 risk-based capital ratio | 22.1081% | 1,271 |
| Total risk-based capital ratio | 23.3726% | 1,250 |
| Memoranda: | ||
| Average total assets | $334,715,670 | 1,946 |
| Average earning assets | $315,561,330 | 1,890 |
| Average equity | $46,456,330 | 1,500 |
| Average total loans | $142,622,670 | 2,731 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9160% | 5,982 |
| Cost of funding earning assets | 0.5101% | 5,750 |
| Net interest margin | 3.4059% | 5,097 |
| Noninterest income to average assets | 0.7210% | 2,553 |
| Noninterest expense to average assets | 2.5065% | 5,127 |
| Loan and lease loss provision to assets | 0.2200% | 2,745 |
| Net operating income to assets | 0.8982% | 2,928 |
| Return on assets (ROA) | 0.8982% | 3,150 |
| Pretax return on assets | 1.2013% | 2,910 |
| Return on Equity (ROE) | 6.3625% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.6440% | 3,169 |
| Net charge-offs to loans | -0.0256% | 6,272 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8146% | 4,952 |
| Assets per employee ($millions) | 3.4057% | 5,330 |
| Cash dividends to net income (ytd only)* | 11.2925% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 3,289 |
| Loan loss allowance to noncurrent loans | 62.4550% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.2006% | 4,121 |
| Noncurrent loans to loans | 2.7437% | 2,375 |
| Net loans and leases to total assets | 41.7074% | 6,219 |
| Net loans and leases to deposits | 50.0422% | 6,136 |
| Net loans and leases to core deposits | 50.5362% | 6,303 |
| Total domestic deposits to total assets | 83.3445% | 4,792 |
| Equity capital to assets | 13.8625% | 1,068 |
| Core capital (leverage) ratio | 12.0033% | 1,585 |
| Tier 1 risk-based capital ratio | 22.7173% | 1,170 |
| Total risk-based capital ratio | 23.9833% | 1,149 |
| Memoranda: | ||
| Average total assets | $327,314,500 | 1,989 |
| Average earning assets | $308,170,000 | 1,939 |
| Average equity | $46,208,500 | 1,506 |
| Average total loans | $140,713,000 | 2,775 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1783% | 6,118 |
| Cost of funding earning assets | 0.6116% | 6,040 |
| Net interest margin | 3.5668% | 4,862 |
| Noninterest income to average assets | 0.7331% | 2,428 |
| Noninterest expense to average assets | 2.5698% | 5,200 |
| Loan and lease loss provision to assets | 0.2181% | 4,012 |
| Net operating income to assets | 1.0045% | 2,179 |
| Return on assets (ROA) | 1.0045% | 2,325 |
| Pretax return on assets | 1.2950% | 2,146 |
| Return on Equity (ROE) | 7.2865% | 3,254 |
| Retained earnings to average equity (ytd only) | 0.1033% | 5,788 |
| Net charge-offs to loans | 0.6283% | 2,579 |
| Credit loss provision to net charge-offs | 80.8989% | 4,409 |
| Earnings coverage of net charge-offs (x) | 5.6124% | 2,740 |
| Efficiency ratio | 62.9396% | 5,309 |
| Assets per employee ($millions) | 3.3079% | 5,495 |
| Cash dividends to net income (ytd only)* | 98.5826% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 3,586 |
| Loan loss allowance to noncurrent loans | 55.9500% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 1.2750% | 4,093 |
| Noncurrent loans to loans | 2.8613% | 2,284 |
| Net loans and leases to total assets | 42.8705% | 6,310 |
| Net loans and leases to deposits | 51.9156% | 6,225 |
| Net loans and leases to core deposits | 52.3985% | 6,408 |
| Total domestic deposits to total assets | 82.5775% | 4,937 |
| Equity capital to assets | 14.3826% | 941 |
| Core capital (leverage) ratio | 11.7550% | 1,733 |
| Tier 1 risk-based capital ratio | 22.7599% | 1,126 |
| Total risk-based capital ratio | 24.0207% | 1,106 |
| Memoranda: | ||
| Average total assets | $330,109,600 | 1,956 |
| Average earning assets | $310,027,600 | 1,897 |
| Average equity | $45,509,000 | 1,496 |
| Average total loans | $141,662,400 | 2,760 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1808% | 6,252 |
| Cost of funding earning assets | 0.6255% | 6,152 |
| Net interest margin | 3.5554% | 4,959 |
| Noninterest income to average assets | 0.7332% | 2,399 |
| Noninterest expense to average assets | 2.5650% | 5,215 |
| Loan and lease loss provision to assets | 0.2166% | 3,848 |
| Net operating income to assets | 0.9799% | 2,392 |
| Return on assets (ROA) | 0.9799% | 2,553 |
| Pretax return on assets | 1.2895% | 2,320 |
| Return on Equity (ROE) | 7.1826% | 3,436 |
| Retained earnings to average equity (ytd only) | 2.2668% | 4,990 |
| Net charge-offs to loans | 0.5188% | 2,679 |
| Credit loss provision to net charge-offs | 97.6492% | 3,507 |
| Earnings coverage of net charge-offs (x) | 6.7903% | 2,484 |
| Efficiency ratio | 63.0049% | 5,238 |
| Assets per employee ($millions) | 3.3718% | 5,317 |
| Cash dividends to net income (ytd only)* | 68.4406% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6644% | 3,398 |
| Loan loss allowance to noncurrent loans | 55.1462% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.3624% | 4,100 |
| Noncurrent loans to loans | 3.0182% | 2,291 |
| Net loans and leases to total assets | 43.2640% | 6,403 |
| Net loans and leases to deposits | 53.5916% | 6,248 |
| Net loans and leases to core deposits | 54.1778% | 6,449 |
| Total domestic deposits to total assets | 80.7292% | 5,521 |
| Equity capital to assets | 14.3617% | 1,035 |
| Core capital (leverage) ratio | 11.8739% | 1,778 |
| Tier 1 risk-based capital ratio | 22.6405% | 1,197 |
| Total risk-based capital ratio | 23.9207% | 1,169 |
| Memoranda: | ||
| Average total assets | $332,420,500 | 1,956 |
| Average earning assets | $312,082,000 | 1,891 |
| Average equity | $45,349,000 | 1,503 |
| Average total loans | $142,129,250 | 2,775 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 6,343 |
| Cost of funding earning assets | 0.6472% | 6,242 |
| Net interest margin | 3.5230% | 5,059 |
| Noninterest income to average assets | 0.7056% | 2,523 |
| Noninterest expense to average assets | 2.5529% | 5,344 |
| Loan and lease loss provision to assets | 0.2154% | 3,763 |
| Net operating income to assets | 0.9617% | 2,381 |
| Return on assets (ROA) | 0.9617% | 2,488 |
| Pretax return on assets | 1.2435% | 2,333 |
| Return on Equity (ROE) | 7.1728% | 3,363 |
| Retained earnings to average equity (ytd only) | 0.4687% | 5,662 |
| Net charge-offs to loans | 0.6839% | 2,131 |
| Credit loss provision to net charge-offs | 74.3802% | 3,935 |
| Earnings coverage of net charge-offs (x) | 5.0372% | 2,707 |
| Efficiency ratio | 63.6337% | 5,314 |
| Assets per employee ($millions) | 3.4699% | 5,017 |
| Cash dividends to net income (ytd only)* | 93.4661% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 3,723 |
| Loan loss allowance to noncurrent loans | 59.1403% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 1.1810% | 4,528 |
| Noncurrent loans to loans | 2.6922% | 2,707 |
| Net loans and leases to total assets | 41.9417% | 6,595 |
| Net loans and leases to deposits | 51.2641% | 6,516 |
| Net loans and leases to core deposits | 51.7924% | 6,679 |
| Total domestic deposits to total assets | 81.8150% | 5,227 |
| Equity capital to assets | 13.5511% | 1,265 |
| Core capital (leverage) ratio | 11.5483% | 1,882 |
| Tier 1 risk-based capital ratio | 21.9757% | 1,261 |
| Total risk-based capital ratio | 23.2688% | 1,224 |
| Memoranda: | ||
| Average total assets | $334,206,000 | 1,953 |
| Average earning assets | $313,652,670 | 1,894 |
| Average equity | $44,808,000 | 1,504 |
| Average total loans | $141,540,330 | 2,813 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2220% | 6,232 |
| Cost of funding earning assets | 0.6836% | 6,230 |
| Net interest margin | 3.5384% | 4,857 |
| Noninterest income to average assets | 0.7051% | 2,549 |
| Noninterest expense to average assets | 2.5764% | 5,311 |
| Loan and lease loss provision to assets | 0.2162% | 3,489 |
| Net operating income to assets | 0.9897% | 2,217 |
| Return on assets (ROA) | 0.9897% | 2,273 |
| Pretax return on assets | 1.2264% | 2,287 |
| Return on Equity (ROE) | 7.4223% | 3,189 |
| Retained earnings to average equity (ytd only) | -1.5853% | 6,086 |
| Net charge-offs to loans | 0.0598% | 4,332 |
| Credit loss provision to net charge-offs | 857.1429% | 446 |
| Earnings coverage of net charge-offs (x) | 57.1905% | 514 |
| Efficiency ratio | 64.1064% | 5,352 |
| Assets per employee ($millions) | 3.3012% | 5,475 |
| Cash dividends to net income (ytd only)* | 121.3592% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8366% | 2,901 |
| Loan loss allowance to noncurrent loans | 60.3432% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.3527% | 4,267 |
| Noncurrent loans to loans | 3.0436% | 2,470 |
| Net loans and leases to total assets | 41.9802% | 6,617 |
| Net loans and leases to deposits | 52.0197% | 6,476 |
| Net loans and leases to core deposits | 52.6286% | 6,647 |
| Total domestic deposits to total assets | 80.7004% | 5,743 |
| Equity capital to assets | 13.6328% | 1,132 |
| Core capital (leverage) ratio | 11.6163% | 1,788 |
| Tier 1 risk-based capital ratio | 22.4237% | 1,157 |
| Total risk-based capital ratio | 23.7157% | 1,131 |
| Memoranda: | ||
| Average total assets | $333,019,500 | 1,970 |
| Average earning assets | $311,889,500 | 1,916 |
| Average equity | $44,407,000 | 1,503 |
| Average total loans | $140,585,000 | 2,873 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 6,477 |
| Cost of funding earning assets | 0.9709% | 5,835 |
| Net interest margin | 3.4961% | 5,255 |
| Noninterest income to average assets | 0.6878% | 2,918 |
| Noninterest expense to average assets | 2.7333% | 4,835 |
| Loan and lease loss provision to assets | 0.2935% | 4,451 |
| Net operating income to assets | 0.7575% | 2,964 |
| Return on assets (ROA) | 0.7662% | 3,057 |
| Pretax return on assets | 0.9392% | 3,137 |
| Return on Equity (ROE) | 5.7020% | 3,734 |
| Retained earnings to average equity (ytd only) | 1.5471% | 4,761 |
| Net charge-offs to loans | 0.3163% | 4,436 |
| Credit loss provision to net charge-offs | 216.0356% | 1,400 |
| Earnings coverage of net charge-offs (x) | 8.9955% | 1,893 |
| Efficiency ratio | 69.1019% | 4,357 |
| Assets per employee ($millions) | 3.3922% | 5,194 |
| Cash dividends to net income (ytd only)* | 72.8673% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7029% | 3,207 |
| Loan loss allowance to noncurrent loans | 55.5735% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 1.2773% | 4,481 |
| Noncurrent loans to loans | 3.0643% | 2,491 |
| Net loans and leases to total assets | 40.9751% | 6,904 |
| Net loans and leases to deposits | 53.7480% | 6,627 |
| Net loans and leases to core deposits | 54.3858% | 6,791 |
| Total domestic deposits to total assets | 76.2356% | 6,608 |
| Equity capital to assets | 13.0474% | 1,374 |
| Core capital (leverage) ratio | 11.2260% | 1,991 |
| Tier 1 risk-based capital ratio | 21.7994% | 1,206 |
| Total risk-based capital ratio | 23.0792% | 1,177 |
| Memoranda: | ||
| Average total assets | $330,477,200 | 1,969 |
| Average earning assets | $308,888,400 | 1,927 |
| Average equity | $44,405,800 | 1,505 |
| Average total loans | $141,946,200 | 2,905 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5269% | 6,538 |
| Cost of funding earning assets | 1.0204% | 5,844 |
| Net interest margin | 3.5065% | 5,268 |
| Noninterest income to average assets | 0.6839% | 2,917 |
| Noninterest expense to average assets | 2.7589% | 4,644 |
| Loan and lease loss provision to assets | 0.2518% | 4,573 |
| Net operating income to assets | 0.7606% | 3,176 |
| Return on assets (ROA) | 0.7773% | 3,257 |
| Pretax return on assets | 0.9654% | 3,311 |
| Return on Equity (ROE) | 5.7421% | 3,932 |
| Retained earnings to average equity (ytd only) | 2.4390% | 4,714 |
| Net charge-offs to loans | 0.1539% | 5,080 |
| Credit loss provision to net charge-offs | 378.0488% | 829 |
| Earnings coverage of net charge-offs (x) | 17.9635% | 1,293 |
| Efficiency ratio | 69.7505% | 4,120 |
| Assets per employee ($millions) | 3.2105% | 5,657 |
| Cash dividends to net income (ytd only)* | 57.5233% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 3,489 |
| Loan loss allowance to noncurrent loans | 55.1684% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 1.3560% | 4,456 |
| Noncurrent loans to loans | 2.9175% | 2,736 |
| Net loans and leases to total assets | 44.1696% | 6,829 |
| Net loans and leases to deposits | 54.7833% | 6,709 |
| Net loans and leases to core deposits | 56.1193% | 6,847 |
| Total domestic deposits to total assets | 80.6260% | 5,508 |
| Equity capital to assets | 14.1246% | 1,129 |
| Core capital (leverage) ratio | 11.6083% | 1,864 |
| Tier 1 risk-based capital ratio | 21.8023% | 1,235 |
| Total risk-based capital ratio | 23.0875% | 1,207 |
| Memoranda: | ||
| Average total assets | $328,292,000 | 2,009 |
| Average earning assets | $306,279,750 | 1,971 |
| Average equity | $44,442,500 | 1,510 |
| Average total loans | $142,082,000 | 2,942 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5039% | 6,705 |
| Cost of funding earning assets | 1.0623% | 5,863 |
| Net interest margin | 3.4416% | 5,475 |
| Noninterest income to average assets | 0.6959% | 2,731 |
| Noninterest expense to average assets | 2.7552% | 4,684 |
| Loan and lease loss provision to assets | 0.2609% | 4,316 |
| Net operating income to assets | 0.7172% | 3,321 |
| Return on assets (ROA) | 0.7172% | 3,475 |
| Pretax return on assets | 0.8840% | 3,564 |
| Return on Equity (ROE) | 5.3740% | 4,100 |
| Retained earnings to average equity (ytd only) | 2.5642% | 4,513 |
| Net charge-offs to loans | 0.2384% | 4,172 |
| Credit loss provision to net charge-offs | 255.9524% | 1,491 |
| Earnings coverage of net charge-offs (x) | 11.2321% | 1,787 |
| Efficiency ratio | 70.6441% | 4,051 |
| Assets per employee ($millions) | 3.3306% | 5,355 |
| Cash dividends to net income (ytd only)* | 52.2843% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 3,839 |
| Loan loss allowance to noncurrent loans | 52.2998% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 1.3655% | 4,439 |
| Noncurrent loans to loans | 2.8981% | 2,759 |
| Net loans and leases to total assets | 41.1021% | 7,096 |
| Net loans and leases to deposits | 50.9587% | 7,028 |
| Net loans and leases to core deposits | 52.3462% | 7,121 |
| Total domestic deposits to total assets | 80.6576% | 5,521 |
| Equity capital to assets | 13.1282% | 1,511 |
| Core capital (leverage) ratio | 11.4081% | 1,968 |
| Tier 1 risk-based capital ratio | 21.9258% | 1,215 |
| Total risk-based capital ratio | 23.2059% | 1,183 |
| Memoranda: | ||
| Average total assets | $329,634,670 | 2,012 |
| Average earning assets | $306,892,670 | 1,987 |
| Average equity | $43,989,670 | 1,514 |
| Average total loans | $140,919,670 | 2,992 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5704% | 6,634 |
| Cost of funding earning assets | 1.1240% | 5,780 |
| Net interest margin | 3.4464% | 5,389 |
| Noninterest income to average assets | 0.7714% | 2,165 |
| Noninterest expense to average assets | 2.7382% | 4,726 |
| Loan and lease loss provision to assets | 0.2341% | 4,168 |
| Net operating income to assets | 0.8059% | 2,937 |
| Return on assets (ROA) | 0.8059% | 3,034 |
| Pretax return on assets | 0.9920% | 3,123 |
| Return on Equity (ROE) | 5.9883% | 3,890 |
| Retained earnings to average equity (ytd only) | 5.0452% | 3,131 |
| Net charge-offs to loans | 0.3673% | 2,941 |
| Credit loss provision to net charge-offs | 147.2868% | 2,417 |
| Earnings coverage of net charge-offs (x) | 7.7132% | 2,051 |
| Efficiency ratio | 69.0706% | 4,496 |
| Assets per employee ($millions) | 3.1438% | 5,894 |
| Cash dividends to net income (ytd only)* | 15.7492% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 4,441 |
| Loan loss allowance to noncurrent loans | 51.8223% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 1.3708% | 4,458 |
| Noncurrent loans to loans | 2.6935% | 2,978 |
| Net loans and leases to total assets | 42.4957% | 7,093 |
| Net loans and leases to deposits | 53.5267% | 6,945 |
| Net loans and leases to core deposits | 55.0749% | 7,045 |
| Total domestic deposits to total assets | 79.3917% | 5,989 |
| Equity capital to assets | 13.6710% | 1,255 |
| Core capital (leverage) ratio | 11.8770% | 1,708 |
| Tier 1 risk-based capital ratio | 22.1992% | 1,179 |
| Total risk-based capital ratio | 23.4155% | 1,161 |
| Memoranda: | ||
| Average total assets | $324,592,000 | 2,095 |
| Average earning assets | $300,720,000 | 2,072 |
| Average equity | $43,685,000 | 1,533 |
| Average total loans | $140,489,000 | 3,068 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9871% | 6,477 |
| Cost of funding earning assets | 1.3372% | 6,185 |
| Net interest margin | 3.6499% | 4,354 |
| Noninterest income to average assets | 0.7344% | 2,765 |
| Noninterest expense to average assets | 3.0321% | 4,019 |
| Loan and lease loss provision to assets | 0.1191% | 6,454 |
| Net operating income to assets | 0.7816% | 2,597 |
| Return on assets (ROA) | 0.8287% | 2,508 |
| Pretax return on assets | 1.0438% | 2,438 |
| Return on Equity (ROE) | 5.8258% | 3,285 |
| Retained earnings to average equity (ytd only) | 0.7026% | 4,515 |
| Net charge-offs to loans | 0.2638% | 4,968 |
| Credit loss provision to net charge-offs | 101.6949% | 5,430 |
| Earnings coverage of net charge-offs (x) | 9.4181% | 1,803 |
| Efficiency ratio | 73.3195% | 4,029 |
| Assets per employee ($millions) | 3.2537% | 5,601 |
| Cash dividends to net income (ytd only)* | 87.9393% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 4,571 |
| Loan loss allowance to noncurrent loans | 116.6255% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.6602% | 5,812 |
| Noncurrent loans to loans | 1.1441% | 5,044 |
| Net loans and leases to total assets | 42.8853% | 7,196 |
| Net loans and leases to deposits | 54.6911% | 7,008 |
| Net loans and leases to core deposits | 60.8754% | 7,232 |
| Total domestic deposits to total assets | 78.4137% | 6,139 |
| Equity capital to assets | 13.2468% | 1,415 |
| Core capital (leverage) ratio | 11.7435% | 1,789 |
| Tier 1 risk-based capital ratio | 22.1881% | 1,126 |
| Total risk-based capital ratio | 23.3894% | 1,109 |
| Memoranda: | ||
| Average total assets | $302,163,200 | 2,203 |
| Average earning assets | $281,565,800 | 2,176 |
| Average equity | $42,981,000 | 1,555 |
| Average total loans | $134,215,400 | 3,186 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0671% | 6,391 |
| Cost of funding earning assets | 1.3828% | 6,296 |
| Net interest margin | 3.6843% | 4,140 |
| Noninterest income to average assets | 0.7675% | 2,610 |
| Noninterest expense to average assets | 2.9027% | 4,443 |
| Loan and lease loss provision to assets | 0.0855% | 6,510 |
| Net operating income to assets | 0.9313% | 2,302 |
| Return on assets (ROA) | 0.9313% | 2,369 |
| Pretax return on assets | 1.2089% | 2,238 |
| Return on Equity (ROE) | 6.4258% | 3,335 |
| Retained earnings to average equity (ytd only) | 1.5676% | 4,439 |
| Net charge-offs to loans | 0.2678% | 4,367 |
| Credit loss provision to net charge-offs | 71.4286% | 5,952 |
| Earnings coverage of net charge-offs (x) | 10.8157% | 1,917 |
| Efficiency ratio | 69.1607% | 4,754 |
| Assets per employee ($millions) | 2.8882% | 6,440 |
| Cash dividends to net income (ytd only)* | 75.6037% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 4,499 |
| Loan loss allowance to noncurrent loans | 82.6465% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.7634% | 5,599 |
| Noncurrent loans to loans | 1.5730% | 4,279 |
| Net loans and leases to total assets | 45.1867% | 7,162 |
| Net loans and leases to deposits | 56.1127% | 7,080 |
| Net loans and leases to core deposits | 61.5946% | 7,337 |
| Total domestic deposits to total assets | 80.5285% | 5,232 |
| Equity capital to assets | 14.4640% | 1,152 |
| Core capital (leverage) ratio | 12.0932% | 1,758 |
| Tier 1 risk-based capital ratio | 22.5855% | 1,163 |
| Total risk-based capital ratio | 23.7452% | 1,149 |
| Memoranda: | ||
| Average total assets | $296,362,000 | 2,254 |
| Average earning assets | $275,863,000 | 2,225 |
| Average equity | $42,951,000 | 1,575 |
| Average total loans | $132,413,750 | 3,255 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0533% | 6,603 |
| Cost of funding earning assets | 1.4245% | 6,402 |
| Net interest margin | 3.6288% | 4,254 |
| Noninterest income to average assets | 0.7413% | 2,748 |
| Noninterest expense to average assets | 2.9667% | 4,221 |
| Loan and lease loss provision to assets | 0.1088% | 6,067 |
| Net operating income to assets | 0.8026% | 2,847 |
| Return on assets (ROA) | 0.8026% | 2,941 |
| Pretax return on assets | 1.0338% | 2,868 |
| Return on Equity (ROE) | 5.5338% | 3,846 |
| Retained earnings to average equity (ytd only) | -1.3272% | 5,574 |
| Net charge-offs to loans | 0.0292% | 6,059 |
| Credit loss provision to net charge-offs | 842.1053% | 561 |
| Earnings coverage of net charge-offs (x) | 88.4211% | 431 |
| Efficiency ratio | 72.1946% | 4,369 |
| Assets per employee ($millions) | 2.9092% | 6,360 |
| Cash dividends to net income (ytd only)* | 123.9831% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 3,003 |
| Loan loss allowance to noncurrent loans | 88.2199% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.7649% | 5,487 |
| Noncurrent loans to loans | 1.7419% | 3,895 |
| Net loans and leases to total assets | 43.2354% | 7,377 |
| Net loans and leases to deposits | 53.7539% | 7,286 |
| Net loans and leases to core deposits | 59.4251% | 7,469 |
| Total domestic deposits to total assets | 80.4322% | 5,306 |
| Equity capital to assets | 14.1015% | 1,275 |
| Core capital (leverage) ratio | 12.2525% | 1,719 |
| Tier 1 risk-based capital ratio | 23.6202% | 1,074 |
| Total risk-based capital ratio | 24.9226% | 1,049 |
| Memoranda: | ||
| Average total assets | $294,061,330 | 2,292 |
| Average earning assets | $272,931,000 | 2,266 |
| Average equity | $42,646,670 | 1,599 |
| Average total loans | $130,271,670 | 3,330 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0790% | 6,713 |
| Cost of funding earning assets | 1.4933% | 6,422 |
| Net interest margin | 3.5857% | 4,380 |
| Noninterest income to average assets | 0.7210% | 2,755 |
| Noninterest expense to average assets | 2.7411% | 4,822 |
| Loan and lease loss provision to assets | 0.1785% | 4,672 |
| Net operating income to assets | 0.8418% | 2,942 |
| Return on assets (ROA) | 0.8418% | 3,087 |
| Pretax return on assets | 1.1220% | 2,903 |
| Return on Equity (ROE) | 5.7233% | 4,157 |
| Retained earnings to average equity (ytd only) | -2.2314% | 6,144 |
| Net charge-offs to loans | 0.0802% | 4,373 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 36.4231% | 918 |
| Efficiency ratio | 67.8220% | 4,998 |
| Assets per employee ($millions) | 2.8612% | 6,500 |
| Cash dividends to net income (ytd only)* | 138.9886% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 2,806 |
| Loan loss allowance to noncurrent loans | 85.0836% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 5,169 |
| Noncurrent loans to loans | 1.8010% | 3,562 |
| Net loans and leases to total assets | 43.7054% | 7,367 |
| Net loans and leases to deposits | 55.8207% | 7,169 |
| Net loans and leases to core deposits | 61.4531% | 7,408 |
| Total domestic deposits to total assets | 78.2960% | 5,925 |
| Equity capital to assets | 14.5536% | 1,216 |
| Core capital (leverage) ratio | 12.5720% | 1,659 |
| Tier 1 risk-based capital ratio | 24.0939% | 1,070 |
| Total risk-based capital ratio | 25.3629% | 1,041 |
| Memoranda: | ||
| Average total assets | $291,267,000 | 2,328 |
| Average earning assets | $269,739,000 | 2,293 |
| Average equity | $42,842,500 | 1,598 |
| Average total loans | $129,619,000 | 3,373 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6330% | 6,978 |
| Cost of funding earning assets | 1.9463% | 6,587 |
| Net interest margin | 3.6867% | 4,523 |
| Noninterest income to average assets | 0.7621% | 2,714 |
| Noninterest expense to average assets | 2.8349% | 4,666 |
| Loan and lease loss provision to assets | 0.0772% | 6,433 |
| Net operating income to assets | 0.9519% | 2,783 |
| Return on assets (ROA) | 0.9516% | 2,645 |
| Pretax return on assets | 1.2174% | 2,584 |
| Return on Equity (ROE) | 6.4776% | 3,762 |
| Retained earnings to average equity (ytd only) | 2.7167% | 3,491 |
| Net charge-offs to loans | 0.0717% | 5,739 |
| Credit loss provision to net charge-offs | 234.0426% | 2,032 |
| Earnings coverage of net charge-offs (x) | 39.2447% | 951 |
| Efficiency ratio | 68.6443% | 4,603 |
| Assets per employee ($millions) | 2.9968% | 6,061 |
| Cash dividends to net income (ytd only)* | 58.0598% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 2,925 |
| Loan loss allowance to noncurrent loans | 77.7273% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 0.8325% | 4,767 |
| Noncurrent loans to loans | 1.8658% | 2,961 |
| Net loans and leases to total assets | 43.9714% | 7,468 |
| Net loans and leases to deposits | 55.8042% | 7,334 |
| Net loans and leases to core deposits | 62.6569% | 7,489 |
| Total domestic deposits to total assets | 78.7959% | 5,450 |
| Equity capital to assets | 14.8650% | 1,194 |
| Core capital (leverage) ratio | 12.5547% | 1,726 |
| Tier 1 risk-based capital ratio | 24.1686% | 1,069 |
| Total risk-based capital ratio | 25.4615% | 1,046 |
| Memoranda: | ||
| Average total assets | $284,878,000 | 2,287 |
| Average earning assets | $260,233,600 | 2,292 |
| Average equity | $41,852,200 | 1,599 |
| Average total loans | $131,016,600 | 3,252 |