Home > MidSouth Bank > Performance and Condition Ratios
MidSouth Bank, Performance and Condition Ratios
| 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 | 4.6711% | 2,533 |
| Cost of funding earning assets | 0.9814% | 3,086 |
| Net interest margin | 3.6897% | 1,801 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.6988% | 1,662 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.9681% | 2,457 |
| Return on assets (ROA) | 0.9696% | 2,445 |
| Pretax return on assets | 0.9798% | 2,910 |
| Return on Equity (ROE) | 13.7300% | 1,728 |
| Retained earnings to average equity (ytd only) | 5.8417% | 2,678 |
| Net charge-offs to loans | 0.0087% | 2,087 |
| Credit loss provision to net charge-offs | -1,925.0000% | 4,614 |
| Earnings coverage of net charge-offs (x) | 229.2000% | 541 |
| Efficiency ratio | 72.3105% | 1,535 |
| Assets per employee ($millions) | 4.7308% | 3,784 |
| Cash dividends to net income (ytd only)* | 57.4518% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 795 |
| Loan loss allowance to noncurrent loans | 3,924.4604% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 3,585 |
| Noncurrent loans to loans | 0.0419% | 3,461 |
| Net loans and leases to total assets | 54.7700% | 3,306 |
| Net loans and leases to deposits | 58.9702% | 3,561 |
| Net loans and leases to core deposits | 66.1365% | 3,421 |
| Total domestic deposits to total assets | 92.8700% | 317 |
| Equity capital to assets | 6.6647% | 3,767 |
| Core capital (leverage) ratio | 9.9561% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9024% | 1,593 |
| Memoranda: | ||
| Average total assets | $591,417,250 | 1,502 |
| Average earning assets | $539,222,750 | 1,526 |
| Average equity | $41,767,500 | 1,807 |
| Average total loans | $307,051,000 | 1,767 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5743% | 2,474 |
| Cost of funding earning assets | 0.8060% | 3,188 |
| Net interest margin | 3.7683% | 1,685 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.6803% | 1,686 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.0677% | 2,215 |
| Return on assets (ROA) | 1.0677% | 2,212 |
| Pretax return on assets | 1.0765% | 2,703 |
| Return on Equity (ROE) | 14.8400% | 1,498 |
| Retained earnings to average equity (ytd only) | 5.5504% | 2,764 |
| Net charge-offs to loans | 0.0141% | 1,664 |
| Credit loss provision to net charge-offs | -2,809.5238% | 4,652 |
| Earnings coverage of net charge-offs (x) | 158.3333% | 726 |
| Efficiency ratio | 70.3918% | 1,733 |
| Assets per employee ($millions) | 4.7098% | 3,816 |
| Cash dividends to net income (ytd only)* | 62.5913% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7194% | 718 |
| Loan loss allowance to noncurrent loans | 3,917.1642% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 3,578 |
| Noncurrent loans to loans | 0.0439% | 3,409 |
| Net loans and leases to total assets | 51.7900% | 3,427 |
| Net loans and leases to deposits | 56.2286% | 3,630 |
| Net loans and leases to core deposits | 60.8167% | 3,585 |
| Total domestic deposits to total assets | 92.1100% | 391 |
| Equity capital to assets | 7.4287% | 3,564 |
| Core capital (leverage) ratio | 10.1148% | 2,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6640% | 1,392 |
| Memoranda: | ||
| Average total assets | $589,861,667 | 1,503 |
| Average earning assets | $537,966,333 | 1,537 |
| Average equity | $42,447,667 | 1,801 |
| Average total loans | $298,764,667 | 1,786 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5172% | 2,276 |
| Cost of funding earning assets | 0.6346% | 3,275 |
| Net interest margin | 3.8826% | 1,508 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.6219% | 1,892 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.2273% | 1,862 |
| Return on assets (ROA) | 1.2273% | 1,832 |
| Pretax return on assets | 1.2562% | 2,283 |
| Return on Equity (ROE) | 17.3300% | 1,125 |
| Retained earnings to average equity (ytd only) | 3.8431% | 3,312 |
| Net charge-offs to loans | -0.0041% | 3,580 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.7408% | 2,120 |
| Assets per employee ($millions) | 4.8533% | 3,762 |
| Cash dividends to net income (ytd only)* | 77.8204% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0345% | 407 |
| Loan loss allowance to noncurrent loans | 5,349.5495% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 3,616 |
| Noncurrent loans to loans | 0.0380% | 3,473 |
| Net loans and leases to total assets | 49.5100% | 3,532 |
| Net loans and leases to deposits | 53.6953% | 3,703 |
| Net loans and leases to core deposits | 56.9724% | 3,694 |
| Total domestic deposits to total assets | 92.2000% | 471 |
| Equity capital to assets | 7.5227% | 3,549 |
| Core capital (leverage) ratio | 9.6822% | 3,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1769% | 1,333 |
| Memoranda: | ||
| Average total assets | $595,139,500 | 1,506 |
| Average earning assets | $544,588,500 | 1,531 |
| Average equity | $42,154,000 | 1,829 |
| Average total loans | $295,510,000 | 1,809 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4266% | 3,278 |
| Cost of funding earning assets | 0.2180% | 3,612 |
| Net interest margin | 3.2086% | 2,848 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.4469% | 2,277 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.7734% | 3,416 |
| Return on assets (ROA) | 0.7734% | 3,356 |
| Pretax return on assets | 0.7923% | 3,646 |
| Return on Equity (ROE) | 10.7200% | 2,571 |
| Retained earnings to average equity (ytd only) | 9.2515% | 1,405 |
| Net charge-offs to loans | -0.0071% | 3,712 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.5803% | 1,162 |
| Assets per employee ($millions) | 5.3749% | 3,347 |
| Cash dividends to net income (ytd only)* | 13.7363% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9589% | 469 |
| Loan loss allowance to noncurrent loans | 2,558.9520% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 3,427 |
| Noncurrent loans to loans | 0.0766% | 3,211 |
| Net loans and leases to total assets | 47.8700% | 3,675 |
| Net loans and leases to deposits | 51.4127% | 3,834 |
| Net loans and leases to core deposits | 53.8324% | 3,815 |
| Total domestic deposits to total assets | 93.1000% | 381 |
| Equity capital to assets | 6.6686% | 3,833 |
| Core capital (leverage) ratio | 9.4007% | 3,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5784% | 1,457 |
| Memoranda: | ||
| Average total assets | $611,873,600 | 1,456 |
| Average earning assets | $558,722,200 | 1,478 |
| Average equity | $44,122,800 | 1,784 |
| Average total loans | $295,002,000 | 1,744 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1392% | 3,582 |
| Cost of funding earning assets | 0.1830% | 3,483 |
| Net interest margin | 2.9562% | 3,339 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.4327% | 2,220 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.5676% | 3,917 |
| Return on assets (ROA) | 0.5676% | 3,872 |
| Pretax return on assets | 0.5879% | 4,011 |
| Return on Equity (ROE) | 7.7300% | 3,401 |
| Retained earnings to average equity (ytd only) | 5.7974% | 2,818 |
| Net charge-offs to loans | -0.0091% | 3,670 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.5042% | 803 |
| Assets per employee ($millions) | 5.4477% | 3,276 |
| Cash dividends to net income (ytd only)* | 24.9616% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9301% | 567 |
| Loan loss allowance to noncurrent loans | 2,641.0959% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 3,554 |
| Noncurrent loans to loans | 0.0731% | 3,352 |
| Net loans and leases to total assets | 48.1700% | 3,614 |
| Net loans and leases to deposits | 51.4270% | 3,768 |
| Net loans and leases to core deposits | 53.8205% | 3,757 |
| Total domestic deposits to total assets | 93.6600% | 420 |
| Equity capital to assets | 6.0971% | 3,926 |
| Core capital (leverage) ratio | 9.1538% | 3,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1672% | 1,658 |
| Memoranda: | ||
| Average total assets | $611,658,000 | 1,461 |
| Average earning assets | $558,176,500 | 1,490 |
| Average equity | $44,938,250 | 1,778 |
| Average total loans | $293,965,000 | 1,743 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7950% | 3,988 |
| Cost of funding earning assets | 0.1806% | 3,174 |
| Net interest margin | 2.6144% | 3,877 |
| Noninterest income to average assets | 0.3774% | 2,890 |
| Noninterest expense to average assets | 2.4033% | 2,216 |
| Loan and lease loss provision to assets | 0.0340% | 1,969 |
| Net operating income to assets | 0.3117% | 4,268 |
| Return on assets (ROA) | 0.3117% | 4,217 |
| Pretax return on assets | 0.3234% | 4,269 |
| Return on Equity (ROE) | 4.0154% | 4,031 |
| Retained earnings to average equity (ytd only) | 3.3840% | 3,319 |
| Net charge-offs to loans | -0.0103% | 3,605 |
| Credit loss provision to net charge-offs | -693.3333% | 3,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0533% | 533 |
| Assets per employee ($millions) | 5.1815% | 3,523 |
| Cash dividends to net income (ytd only)* | 15.7233% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8803% | 692 |
| Loan loss allowance to noncurrent loans | 3,498.7730% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 3,721 |
| Noncurrent loans to loans | 0.0537% | 3,543 |
| Net loans and leases to total assets | 48.2643% | 3,530 |
| Net loans and leases to deposits | 51.9014% | 3,691 |
| Net loans and leases to core deposits | 54.2386% | 3,681 |
| Total domestic deposits to total assets | 92.9921% | 517 |
| Equity capital to assets | 6.7748% | 3,896 |
| Core capital (leverage) ratio | 9.0557% | 3,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8093% | 1,760 |
| Memoranda: | ||
| Average total assets | $612,162,000 | 1,469 |
| Average earning assets | $558,062,000 | 1,498 |
| Average equity | $47,517,333 | 1,746 |
| Average total loans | $292,060,333 | 1,745 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5925% | 4,134 |
| Cost of funding earning assets | 0.1837% | 3,037 |
| Net interest margin | 2.4087% | 4,053 |
| Noninterest income to average assets | 0.3449% | 3,030 |
| Noninterest expense to average assets | 2.3596% | 2,303 |
| Loan and lease loss provision to assets | 0.0197% | 2,000 |
| Net operating income to assets | 0.1403% | 4,419 |
| Return on assets (ROA) | 0.1403% | 4,387 |
| Pretax return on assets | 0.1495% | 4,390 |
| Return on Equity (ROE) | 1.6988% | 4,310 |
| Retained earnings to average equity (ytd only) | 1.6988% | 3,631 |
| Net charge-offs to loans | -0.0126% | 3,677 |
| Credit loss provision to net charge-offs | -333.3333% | 3,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3091% | 410 |
| Assets per employee ($millions) | 5.1949% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9413% | 687 |
| Loan loss allowance to noncurrent loans | 11,714.5833% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 3,997 |
| Noncurrent loans to loans | 0.0166% | 3,885 |
| Net loans and leases to total assets | 46.7294% | 3,514 |
| Net loans and leases to deposits | 50.7590% | 3,667 |
| Net loans and leases to core deposits | 53.0798% | 3,655 |
| Total domestic deposits to total assets | 92.0612% | 553 |
| Equity capital to assets | 7.8557% | 3,680 |
| Core capital (leverage) ratio | 9.1126% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1787% | 1,729 |
| Memoranda: | ||
| Average total assets | $609,946,500 | 1,478 |
| Average earning assets | $552,985,000 | 1,523 |
| Average equity | $50,389,500 | 1,731 |
| Average total loans | $286,442,000 | 1,756 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8973% | 4,058 |
| Cost of funding earning assets | 0.2291% | 3,146 |
| Net interest margin | 2.6681% | 3,932 |
| Noninterest income to average assets | 0.3412% | 3,373 |
| Noninterest expense to average assets | 2.5403% | 2,056 |
| Loan and lease loss provision to assets | 0.0162% | 2,753 |
| Net operating income to assets | 0.2360% | 4,500 |
| Return on assets (ROA) | 0.2360% | 4,514 |
| Pretax return on assets | 0.2390% | 4,534 |
| Return on Equity (ROE) | 2.4594% | 4,443 |
| Retained earnings to average equity (ytd only) | 1.7096% | 4,068 |
| Net charge-offs to loans | -0.0167% | 3,916 |
| Credit loss provision to net charge-offs | -183.6735% | 3,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8711% | 300 |
| Assets per employee ($millions) | 5.2766% | 3,495 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9715% | 633 |
| Loan loss allowance to noncurrent loans | 9,971.4286% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 4,059 |
| Noncurrent loans to loans | 0.0198% | 3,931 |
| Net loans and leases to total assets | 45.3617% | 3,736 |
| Net loans and leases to deposits | 49.7087% | 3,908 |
| Net loans and leases to core deposits | 52.1028% | 3,885 |
| Total domestic deposits to total assets | 91.2551% | 398 |
| Equity capital to assets | 8.6641% | 3,921 |
| Core capital (leverage) ratio | 9.3635% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $556,043,200 | 1,555 |
| Average earning assets | $511,479,200 | 1,572 |
| Average equity | $53,346,400 | 1,671 |
| Average total loans | $294,247,400 | 1,729 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9908% | 4,019 |
| Cost of funding earning assets | 0.2428% | 3,188 |
| Net interest margin | 2.7480% | 3,884 |
| Noninterest income to average assets | 0.3503% | 3,359 |
| Noninterest expense to average assets | 2.6155% | 1,795 |
| Loan and lease loss provision to assets | 0.0172% | 2,666 |
| Net operating income to assets | 0.2507% | 4,575 |
| Return on assets (ROA) | 0.2507% | 4,599 |
| Pretax return on assets | 0.2541% | 4,627 |
| Return on Equity (ROE) | 2.5431% | 4,521 |
| Retained earnings to average equity (ytd only) | 1.5448% | 4,304 |
| Net charge-offs to loans | -0.0157% | 3,863 |
| Credit loss provision to net charge-offs | -200.0000% | 3,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6016% | 302 |
| Assets per employee ($millions) | 4.6482% | 4,008 |
| Cash dividends to net income (ytd only)* | 39.2542% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9991% | 633 |
| Loan loss allowance to noncurrent loans | 9,098.3607% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 4,157 |
| Noncurrent loans to loans | 0.0220% | 4,039 |
| Net loans and leases to total assets | 48.3749% | 3,590 |
| Net loans and leases to deposits | 53.5075% | 3,779 |
| Net loans and leases to core deposits | 56.2721% | 3,753 |
| Total domestic deposits to total assets | 90.4078% | 599 |
| Equity capital to assets | 9.4917% | 3,376 |
| Core capital (leverage) ratio | 9.6410% | 2,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $542,031,250 | 1,603 |
| Average earning assets | $500,320,250 | 1,613 |
| Average equity | $53,425,000 | 1,689 |
| Average total loans | $296,999,500 | 1,751 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0878% | 3,896 |
| Cost of funding earning assets | 0.2574% | 3,221 |
| Net interest margin | 2.8305% | 3,720 |
| Noninterest income to average assets | 0.3288% | 3,462 |
| Noninterest expense to average assets | 2.6120% | 1,823 |
| Loan and lease loss provision to assets | 0.0224% | 2,523 |
| Net operating income to assets | 0.3053% | 4,517 |
| Return on assets (ROA) | 0.3053% | 4,542 |
| Pretax return on assets | 0.3124% | 4,574 |
| Return on Equity (ROE) | 3.0577% | 4,465 |
| Retained earnings to average equity (ytd only) | 1.7852% | 4,168 |
| Net charge-offs to loans | -0.0165% | 3,903 |
| Credit loss provision to net charge-offs | -240.0000% | 3,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6381% | 382 |
| Assets per employee ($millions) | 4.6090% | 4,006 |
| Cash dividends to net income (ytd only)* | 41.6157% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8877% | 753 |
| Loan loss allowance to noncurrent loans | 8,132.3529% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 4,216 |
| Noncurrent loans to loans | 0.0232% | 4,105 |
| Net loans and leases to total assets | 51.5387% | 3,390 |
| Net loans and leases to deposits | 57.0360% | 3,633 |
| Net loans and leases to core deposits | 60.0629% | 3,613 |
| Total domestic deposits to total assets | 90.3616% | 620 |
| Equity capital to assets | 9.5570% | 3,282 |
| Core capital (leverage) ratio | 9.8683% | 2,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $535,229,667 | 1,611 |
| Average earning assets | $495,044,000 | 1,617 |
| Average equity | $53,438,333 | 1,680 |
| Average total loans | $303,456,667 | 1,727 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1543% | 3,770 |
| Cost of funding earning assets | 0.2685% | 3,292 |
| Net interest margin | 2.8858% | 3,562 |
| Noninterest income to average assets | 0.2931% | 3,651 |
| Noninterest expense to average assets | 2.5779% | 1,942 |
| Loan and lease loss provision to assets | 0.0229% | 2,486 |
| Net operating income to assets | 0.3550% | 4,438 |
| Return on assets (ROA) | 0.3550% | 4,467 |
| Pretax return on assets | 0.3748% | 4,522 |
| Return on Equity (ROE) | 3.4761% | 4,377 |
| Retained earnings to average equity (ytd only) | 3.1771% | 3,726 |
| Net charge-offs to loans | -0.0181% | 3,947 |
| Credit loss provision to net charge-offs | -214.2857% | 2,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6342% | 490 |
| Assets per employee ($millions) | 4.5852% | 4,028 |
| Cash dividends to net income (ytd only)* | 8.6022% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8264% | 831 |
| Loan loss allowance to noncurrent loans | 7,418.9189% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 4,277 |
| Noncurrent loans to loans | 0.0246% | 4,168 |
| Net loans and leases to total assets | 55.0083% | 3,141 |
| Net loans and leases to deposits | 61.1046% | 3,398 |
| Net loans and leases to core deposits | 64.3046% | 3,383 |
| Total domestic deposits to total assets | 90.0233% | 803 |
| Equity capital to assets | 9.8951% | 2,804 |
| Core capital (leverage) ratio | 10.6094% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $524,001,500 | 1,621 |
| Average earning assets | $487,080,500 | 1,627 |
| Average equity | $53,508,500 | 1,668 |
| Average total loans | $308,708,000 | 1,704 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5632% | 3,894 |
| Cost of funding earning assets | 0.4188% | 3,470 |
| Net interest margin | 3.1444% | 3,509 |
| Noninterest income to average assets | 0.6831% | 1,918 |
| Noninterest expense to average assets | 2.7762% | 2,009 |
| Loan and lease loss provision to assets | 0.0195% | 4,146 |
| Net operating income to assets | 0.7552% | 3,249 |
| Return on assets (ROA) | 0.7562% | 3,375 |
| Pretax return on assets | 0.7848% | 3,663 |
| Return on Equity (ROE) | 6.6977% | 3,328 |
| Retained earnings to average equity (ytd only) | 4.7824% | 2,379 |
| Net charge-offs to loans | -0.0259% | 4,491 |
| Credit loss provision to net charge-offs | -120.0000% | 3,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5616% | 1,073 |
| Assets per employee ($millions) | 4.1929% | 4,216 |
| Cash dividends to net income (ytd only)* | 28.5959% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7186% | 998 |
| Loan loss allowance to noncurrent loans | 6,640.2439% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 4,326 |
| Noncurrent loans to loans | 0.0259% | 4,219 |
| Net loans and leases to total assets | 60.8715% | 2,748 |
| Net loans and leases to deposits | 68.1094% | 3,062 |
| Net loans and leases to core deposits | 71.6286% | 3,114 |
| Total domestic deposits to total assets | 89.3732% | 819 |
| Equity capital to assets | 10.5434% | 2,633 |
| Core capital (leverage) ratio | 10.9829% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $462,422,800 | 1,658 |
| Average earning assets | $425,935,200 | 1,675 |
| Average equity | $52,212,000 | 1,622 |
| Average total loans | $289,882,200 | 1,727 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7018% | 3,798 |
| Cost of funding earning assets | 0.4596% | 3,470 |
| Net interest margin | 3.2422% | 3,358 |
| Noninterest income to average assets | 0.5589% | 2,353 |
| Noninterest expense to average assets | 2.8215% | 1,910 |
| Loan and lease loss provision to assets | 0.0178% | 4,110 |
| Net operating income to assets | 0.6768% | 3,536 |
| Return on assets (ROA) | 0.6783% | 3,638 |
| Pretax return on assets | 0.7005% | 3,897 |
| Return on Equity (ROE) | 5.8964% | 3,590 |
| Retained earnings to average equity (ytd only) | 3.3216% | 3,387 |
| Net charge-offs to loans | -0.0287% | 4,516 |
| Credit loss provision to net charge-offs | -98.3607% | 3,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7422% | 886 |
| Assets per employee ($millions) | 4.1513% | 4,192 |
| Cash dividends to net income (ytd only)* | 43.6681% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 792 |
| Loan loss allowance to noncurrent loans | 5,935.1648% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 4,382 |
| Noncurrent loans to loans | 0.0296% | 4,282 |
| Net loans and leases to total assets | 63.2019% | 2,863 |
| Net loans and leases to deposits | 71.1481% | 3,206 |
| Net loans and leases to core deposits | 74.8329% | 3,252 |
| Total domestic deposits to total assets | 88.8314% | 848 |
| Equity capital to assets | 11.0418% | 2,368 |
| Core capital (leverage) ratio | 11.1024% | 1,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $450,144,750 | 1,676 |
| Average earning assets | $413,662,500 | 1,695 |
| Average equity | $51,781,750 | 1,626 |
| Average total loans | $283,146,750 | 1,751 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 3,711 |
| Cost of funding earning assets | 0.5105% | 3,474 |
| Net interest margin | 3.3521% | 3,242 |
| Noninterest income to average assets | 0.6271% | 2,025 |
| Noninterest expense to average assets | 2.8586% | 1,950 |
| Loan and lease loss provision to assets | 0.0136% | 4,055 |
| Net operating income to assets | 0.7925% | 3,065 |
| Return on assets (ROA) | 0.7904% | 3,183 |
| Pretax return on assets | 0.8194% | 3,536 |
| Return on Equity (ROE) | 6.7727% | 3,219 |
| Retained earnings to average equity (ytd only) | 3.2756% | 3,280 |
| Net charge-offs to loans | -0.0378% | 4,609 |
| Credit loss provision to net charge-offs | -57.6923% | 3,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3877% | 1,113 |
| Assets per employee ($millions) | 4.0833% | 4,219 |
| Cash dividends to net income (ytd only)* | 51.6351% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7891% | 670 |
| Loan loss allowance to noncurrent loans | 4,062.1212% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 4,411 |
| Noncurrent loans to loans | 0.0440% | 4,306 |
| Net loans and leases to total assets | 62.1423% | 3,113 |
| Net loans and leases to deposits | 69.9261% | 3,429 |
| Net loans and leases to core deposits | 73.4320% | 3,493 |
| Total domestic deposits to total assets | 88.8685% | 800 |
| Equity capital to assets | 11.0283% | 2,316 |
| Core capital (leverage) ratio | 11.2503% | 1,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $441,059,000 | 1,679 |
| Average earning assets | $403,508,667 | 1,701 |
| Average equity | $51,471,000 | 1,626 |
| Average total loans | $275,153,000 | 1,769 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1888% | 3,252 |
| Cost of funding earning assets | 0.5870% | 3,500 |
| Net interest margin | 3.6018% | 2,659 |
| Noninterest income to average assets | 0.3720% | 3,286 |
| Noninterest expense to average assets | 2.8760% | 2,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7430% | 3,118 |
| Return on assets (ROA) | 0.7430% | 3,195 |
| Pretax return on assets | 0.7666% | 3,501 |
| Return on Equity (ROE) | 6.1776% | 3,248 |
| Retained earnings to average equity (ytd only) | 3.8287% | 2,744 |
| Net charge-offs to loans | -0.0578% | 4,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9555% | 1,242 |
| Assets per employee ($millions) | 3.7439% | 4,231 |
| Cash dividends to net income (ytd only)* | 38.0228% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0153% | 487 |
| Loan loss allowance to noncurrent loans | 5,064.7619% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 4,504 |
| Noncurrent loans to loans | 0.0398% | 4,401 |
| Net loans and leases to total assets | 61.1167% | 3,386 |
| Net loans and leases to deposits | 69.6245% | 3,622 |
| Net loans and leases to core deposits | 73.8056% | 3,650 |
| Total domestic deposits to total assets | 87.7805% | 1,193 |
| Equity capital to assets | 12.0860% | 2,006 |
| Core capital (leverage) ratio | 12.2564% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $424,757,000 | 1,697 |
| Average earning assets | $385,699,000 | 1,721 |
| Average equity | $51,088,000 | 1,626 |
| Average total loans | $262,876,000 | 1,798 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5483% | 2,786 |
| Cost of funding earning assets | 0.6290% | 3,509 |
| Net interest margin | 3.9193% | 2,105 |
| Noninterest income to average assets | 0.0330% | 5,070 |
| Noninterest expense to average assets | 2.8040% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7468% | 3,710 |
| Return on assets (ROA) | 0.7521% | 3,773 |
| Pretax return on assets | 0.7726% | 4,039 |
| Return on Equity (ROE) | 6.1688% | 3,857 |
| Retained earnings to average equity (ytd only) | 2.1221% | 3,936 |
| Net charge-offs to loans | -0.0012% | 4,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5199% | 1,091 |
| Assets per employee ($millions) | 4.0231% | 3,872 |
| Cash dividends to net income (ytd only)* | 65.6000% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0162% | 447 |
| Loan loss allowance to noncurrent loans | 4,756.7568% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 4,521 |
| Noncurrent loans to loans | 0.0424% | 4,390 |
| Net loans and leases to total assets | 60.1691% | 3,573 |
| Net loans and leases to deposits | 68.4599% | 3,781 |
| Net loans and leases to core deposits | 72.5222% | 3,826 |
| Total domestic deposits to total assets | 87.8896% | 1,180 |
| Equity capital to assets | 11.9697% | 2,153 |
| Core capital (leverage) ratio | 12.1867% | 1,664 |
| Tier 1 risk-based capital ratio | 15.2910% | 2,659 |
| Total risk-based capital ratio | 16.5450% | 2,586 |
| Memoranda: | ||
| Average total assets | $415,482,400 | 1,691 |
| Average earning assets | $375,062,200 | 1,728 |
| Average equity | $50,658,000 | 1,580 |
| Average total loans | $252,318,400 | 1,811 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5771% | 2,802 |
| Cost of funding earning assets | 0.6201% | 3,584 |
| Net interest margin | 3.9570% | 2,080 |
| Noninterest income to average assets | 0.2807% | 4,066 |
| Noninterest expense to average assets | 2.7865% | 2,598 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0363% | 2,836 |
| Return on assets (ROA) | 1.0437% | 2,895 |
| Pretax return on assets | 1.0828% | 3,342 |
| Return on Equity (ROE) | 8.5201% | 3,104 |
| Retained earnings to average equity (ytd only) | 3.1143% | 3,845 |
| Net charge-offs to loans | 0.0075% | 3,113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 237.6658% | 388 |
| Efficiency ratio | 72.1599% | 1,812 |
| Assets per employee ($millions) | 3.9249% | 3,995 |
| Cash dividends to net income (ytd only)* | 63.4480% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0195% | 450 |
| Loan loss allowance to noncurrent loans | 4,278.8618% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.3175% | 3,276 |
| Noncurrent loans to loans | 0.0472% | 4,434 |
| Net loans and leases to total assets | 61.3757% | 3,556 |
| Net loans and leases to deposits | 70.1360% | 3,761 |
| Net loans and leases to core deposits | 74.6721% | 3,790 |
| Total domestic deposits to total assets | 87.5095% | 1,247 |
| Equity capital to assets | 12.3112% | 2,035 |
| Core capital (leverage) ratio | 12.4324% | 1,608 |
| Tier 1 risk-based capital ratio | 15.3489% | 2,689 |
| Total risk-based capital ratio | 16.6029% | 2,621 |
| Memoranda: | ||
| Average total assets | $412,739,750 | 1,707 |
| Average earning assets | $373,504,500 | 1,741 |
| Average equity | $50,561,250 | 1,586 |
| Average total loans | $249,929,750 | 1,840 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5799% | 2,739 |
| Cost of funding earning assets | 0.5783% | 3,758 |
| Net interest margin | 4.0016% | 1,914 |
| Noninterest income to average assets | 0.2769% | 4,085 |
| Noninterest expense to average assets | 2.7607% | 2,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0796% | 2,607 |
| Return on assets (ROA) | 1.0908% | 2,629 |
| Pretax return on assets | 1.1321% | 3,145 |
| Return on Equity (ROE) | 8.9190% | 2,887 |
| Retained earnings to average equity (ytd only) | 2.1652% | 4,067 |
| Net charge-offs to loans | -0.0049% | 4,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1317% | 2,049 |
| Assets per employee ($millions) | 3.8328% | 4,083 |
| Cash dividends to net income (ytd only)* | 75.7238% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1111% | 391 |
| Loan loss allowance to noncurrent loans | 4,063.8462% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 3,142 |
| Noncurrent loans to loans | 0.0519% | 4,452 |
| Net loans and leases to total assets | 59.7309% | 3,763 |
| Net loans and leases to deposits | 68.2645% | 3,950 |
| Net loans and leases to core deposits | 73.3633% | 3,925 |
| Total domestic deposits to total assets | 87.4992% | 1,339 |
| Equity capital to assets | 12.3491% | 1,940 |
| Core capital (leverage) ratio | 12.4543% | 1,559 |
| Tier 1 risk-based capital ratio | 15.9199% | 2,447 |
| Total risk-based capital ratio | 17.1749% | 2,389 |
| Memoranda: | ||
| Average total assets | $411,641,000 | 1,714 |
| Average earning assets | $370,747,330 | 1,760 |
| Average equity | $50,342,000 | 1,583 |
| Average total loans | $246,370,330 | 1,867 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5927% | 2,553 |
| Cost of funding earning assets | 0.5133% | 4,003 |
| Net interest margin | 4.0794% | 1,609 |
| Noninterest income to average assets | 0.2590% | 4,157 |
| Noninterest expense to average assets | 2.7148% | 2,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1512% | 2,260 |
| Return on assets (ROA) | 1.1484% | 2,325 |
| Pretax return on assets | 1.1872% | 2,856 |
| Return on Equity (ROE) | 9.4360% | 2,616 |
| Retained earnings to average equity (ytd only) | 1.8649% | 4,103 |
| Net charge-offs to loans | 0.0065% | 2,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 306.7500% | 265 |
| Efficiency ratio | 69.5231% | 2,420 |
| Assets per employee ($millions) | 3.8978% | 4,069 |
| Cash dividends to net income (ytd only)* | 80.2365% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2049% | 352 |
| Loan loss allowance to noncurrent loans | 3,848.9051% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 3,077 |
| Noncurrent loans to loans | 0.0573% | 4,509 |
| Net loans and leases to total assets | 57.6931% | 3,924 |
| Net loans and leases to deposits | 65.9661% | 4,055 |
| Net loans and leases to core deposits | 70.7805% | 4,025 |
| Total domestic deposits to total assets | 87.4587% | 1,586 |
| Equity capital to assets | 12.4189% | 1,785 |
| Core capital (leverage) ratio | 12.3892% | 1,563 |
| Tier 1 risk-based capital ratio | 16.5051% | 2,263 |
| Total risk-based capital ratio | 17.7611% | 2,212 |
| Memoranda: | ||
| Average total assets | $412,406,000 | 1,727 |
| Average earning assets | $368,582,000 | 1,773 |
| Average equity | $50,190,500 | 1,572 |
| Average total loans | $244,432,500 | 1,894 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 3,180 |
| Cost of funding earning assets | 0.3607% | 4,214 |
| Net interest margin | 3.9197% | 2,263 |
| Noninterest income to average assets | 0.3237% | 3,933 |
| Noninterest expense to average assets | 2.6107% | 3,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1754% | 2,285 |
| Return on assets (ROA) | 1.1726% | 2,295 |
| Pretax return on assets | 1.2166% | 2,826 |
| Return on Equity (ROE) | 9.9580% | 2,533 |
| Retained earnings to average equity (ytd only) | 6.1200% | 2,136 |
| Net charge-offs to loans | -0.0540% | 4,998 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1612% | 2,512 |
| Assets per employee ($millions) | 4.1944% | 3,621 |
| Cash dividends to net income (ytd only)* | 38.5417% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1132% | 396 |
| Loan loss allowance to noncurrent loans | 3,639.3103% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.3915% | 2,990 |
| Noncurrent loans to loans | 0.0581% | 4,491 |
| Net loans and leases to total assets | 58.2785% | 3,934 |
| Net loans and leases to deposits | 66.2960% | 4,093 |
| Net loans and leases to core deposits | 70.9072% | 4,067 |
| Total domestic deposits to total assets | 87.9064% | 1,341 |
| Equity capital to assets | 11.9298% | 1,955 |
| Core capital (leverage) ratio | 12.4499% | 1,482 |
| Tier 1 risk-based capital ratio | 15.9953% | 2,407 |
| Total risk-based capital ratio | 17.2508% | 2,345 |
| Memoranda: | ||
| Average total assets | $409,350,200 | 1,675 |
| Average earning assets | $366,203,400 | 1,741 |
| Average equity | $48,202,400 | 1,566 |
| Average total loans | $255,332,800 | 1,800 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2015% | 3,320 |
| Cost of funding earning assets | 0.3340% | 4,287 |
| Net interest margin | 3.8675% | 2,412 |
| Noninterest income to average assets | 0.3382% | 3,893 |
| Noninterest expense to average assets | 2.6081% | 3,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1453% | 2,457 |
| Return on assets (ROA) | 1.1425% | 2,484 |
| Pretax return on assets | 1.1956% | 3,002 |
| Return on Equity (ROE) | 9.7351% | 2,737 |
| Retained earnings to average equity (ytd only) | 4.5687% | 3,465 |
| Net charge-offs to loans | -0.0665% | 5,037 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5149% | 2,441 |
| Assets per employee ($millions) | 3.8230% | 4,146 |
| Cash dividends to net income (ytd only)* | 53.0696% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0464% | 448 |
| Loan loss allowance to noncurrent loans | 3,376.2821% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 2,864 |
| Noncurrent loans to loans | 0.0606% | 4,618 |
| Net loans and leases to total assets | 64.0275% | 3,421 |
| Net loans and leases to deposits | 73.2186% | 3,661 |
| Net loans and leases to core deposits | 78.8912% | 3,576 |
| Total domestic deposits to total assets | 87.4471% | 1,519 |
| Equity capital to assets | 12.3673% | 1,668 |
| Core capital (leverage) ratio | 12.3003% | 1,616 |
| Tier 1 risk-based capital ratio | 15.7259% | 2,558 |
| Total risk-based capital ratio | 16.9816% | 2,491 |
| Memoranda: | ||
| Average total assets | $406,828,250 | 1,693 |
| Average earning assets | $364,845,250 | 1,749 |
| Average equity | $47,743,500 | 1,578 |
| Average total loans | $256,736,250 | 1,805 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0995% | 3,447 |
| Cost of funding earning assets | 0.3164% | 4,298 |
| Net interest margin | 3.7831% | 2,626 |
| Noninterest income to average assets | 0.3823% | 3,605 |
| Noninterest expense to average assets | 2.5843% | 3,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1215% | 2,509 |
| Return on assets (ROA) | 1.1178% | 2,527 |
| Pretax return on assets | 1.1679% | 3,057 |
| Return on Equity (ROE) | 9.6910% | 2,718 |
| Retained earnings to average equity (ytd only) | 4.4196% | 3,392 |
| Net charge-offs to loans | -0.0865% | 5,117 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8034% | 2,516 |
| Assets per employee ($millions) | 3.9677% | 3,951 |
| Cash dividends to net income (ytd only)* | 54.3951% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0540% | 472 |
| Loan loss allowance to noncurrent loans | 3,162.6506% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 2,836 |
| Noncurrent loans to loans | 0.0649% | 4,631 |
| Net loans and leases to total assets | 63.0979% | 3,502 |
| Net loans and leases to deposits | 71.9439% | 3,718 |
| Net loans and leases to core deposits | 77.7202% | 3,598 |
| Total domestic deposits to total assets | 87.7042% | 1,539 |
| Equity capital to assets | 12.1231% | 1,771 |
| Core capital (leverage) ratio | 11.7685% | 1,856 |
| Tier 1 risk-based capital ratio | 15.7813% | 2,522 |
| Total risk-based capital ratio | 17.0371% | 2,464 |
| Memoranda: | ||
| Average total assets | $411,182,670 | 1,671 |
| Average earning assets | $366,679,000 | 1,745 |
| Average equity | $47,425,330 | 1,591 |
| Average total loans | $256,520,000 | 1,813 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 3,829 |
| Cost of funding earning assets | 0.3105% | 4,259 |
| Net interest margin | 3.6258% | 3,088 |
| Noninterest income to average assets | 0.3987% | 3,480 |
| Noninterest expense to average assets | 2.5918% | 3,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9912% | 2,884 |
| Return on assets (ROA) | 0.9857% | 2,942 |
| Pretax return on assets | 1.0278% | 3,436 |
| Return on Equity (ROE) | 8.7582% | 3,023 |
| Retained earnings to average equity (ytd only) | 0.6881% | 4,691 |
| Net charge-offs to loans | -0.1852% | 5,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4926% | 2,264 |
| Assets per employee ($millions) | 4.0130% | 3,953 |
| Cash dividends to net income (ytd only)* | 92.1435% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0461% | 490 |
| Loan loss allowance to noncurrent loans | 3,056.9767% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 2,925 |
| Noncurrent loans to loans | 0.0669% | 4,677 |
| Net loans and leases to total assets | 60.8988% | 3,660 |
| Net loans and leases to deposits | 68.8535% | 3,891 |
| Net loans and leases to core deposits | 75.9246% | 3,676 |
| Total domestic deposits to total assets | 88.4470% | 1,382 |
| Equity capital to assets | 11.4006% | 2,214 |
| Core capital (leverage) ratio | 11.3449% | 2,127 |
| Tier 1 risk-based capital ratio | 15.2691% | 2,757 |
| Total risk-based capital ratio | 16.5247% | 2,689 |
| Memoranda: | ||
| Average total assets | $418,388,500 | 1,657 |
| Average earning assets | $372,335,500 | 1,730 |
| Average equity | $47,087,500 | 1,609 |
| Average total loans | $256,978,000 | 1,811 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7055% | 4,322 |
| Cost of funding earning assets | 0.3079% | 4,055 |
| Net interest margin | 3.3976% | 3,862 |
| Noninterest income to average assets | 0.5202% | 2,878 |
| Noninterest expense to average assets | 2.4352% | 3,975 |
| Loan and lease loss provision to assets | 0.0900% | 2,392 |
| Net operating income to assets | 0.9707% | 2,362 |
| Return on assets (ROA) | 0.9677% | 2,413 |
| Pretax return on assets | 1.0073% | 3,537 |
| Return on Equity (ROE) | 8.8733% | 2,369 |
| Retained earnings to average equity (ytd only) | 6.7832% | 1,159 |
| Net charge-offs to loans | 0.1041% | 2,021 |
| Credit loss provision to net charge-offs | 142.0455% | 1,865 |
| Earnings coverage of net charge-offs (x) | 17.3712% | 2,131 |
| Efficiency ratio | 68.8768% | 2,726 |
| Assets per employee ($millions) | 4.2344% | 3,604 |
| Cash dividends to net income (ytd only)* | 23.5557% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9998% | 543 |
| Loan loss allowance to noncurrent loans | 2,987.7907% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 3,052 |
| Noncurrent loans to loans | 0.0669% | 4,694 |
| Net loans and leases to total assets | 59.4752% | 3,882 |
| Net loans and leases to deposits | 67.0505% | 4,101 |
| Net loans and leases to core deposits | 73.8953% | 3,885 |
| Total domestic deposits to total assets | 88.7020% | 1,146 |
| Equity capital to assets | 11.1119% | 2,529 |
| Core capital (leverage) ratio | 11.2859% | 2,104 |
| Tier 1 risk-based capital ratio | 15.1479% | 2,774 |
| Total risk-based capital ratio | 16.4028% | 2,703 |
| Memoranda: | ||
| Average total assets | $416,769,000 | 1,648 |
| Average earning assets | $369,883,200 | 1,705 |
| Average equity | $45,450,800 | 1,651 |
| Average total loans | $253,708,400 | 1,795 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6368% | 4,472 |
| Cost of funding earning assets | 0.3098% | 4,033 |
| Net interest margin | 3.3269% | 4,085 |
| Noninterest income to average assets | 0.5791% | 2,588 |
| Noninterest expense to average assets | 2.4279% | 3,943 |
| Loan and lease loss provision to assets | 0.0883% | 2,314 |
| Net operating income to assets | 0.9779% | 2,654 |
| Return on assets (ROA) | 0.9748% | 2,721 |
| Pretax return on assets | 1.0156% | 3,625 |
| Return on Equity (ROE) | 8.9823% | 2,614 |
| Retained earnings to average equity (ytd only) | 6.1707% | 2,133 |
| Net charge-offs to loans | 0.1550% | 1,311 |
| Credit loss provision to net charge-offs | 93.5374% | 2,413 |
| Earnings coverage of net charge-offs (x) | 11.7245% | 2,481 |
| Efficiency ratio | 68.6807% | 2,757 |
| Assets per employee ($millions) | 4.1066% | 3,812 |
| Cash dividends to net income (ytd only)* | 31.3016% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8776% | 730 |
| Loan loss allowance to noncurrent loans | 3,252.5974% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 3,130 |
| Noncurrent loans to loans | 0.0577% | 4,854 |
| Net loans and leases to total assets | 63.1115% | 3,538 |
| Net loans and leases to deposits | 71.1647% | 3,855 |
| Net loans and leases to core deposits | 78.6036% | 3,579 |
| Total domestic deposits to total assets | 88.6836% | 1,019 |
| Equity capital to assets | 11.1078% | 2,757 |
| Core capital (leverage) ratio | 11.2052% | 2,271 |
| Tier 1 risk-based capital ratio | 14.4915% | 3,185 |
| Total risk-based capital ratio | 15.7454% | 3,100 |
| Memoranda: | ||
| Average total assets | $415,101,500 | 1,665 |
| Average earning assets | $368,817,750 | 1,725 |
| Average equity | $45,050,500 | 1,675 |
| Average total loans | $252,890,500 | 1,811 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5639% | 4,603 |
| Cost of funding earning assets | 0.3126% | 3,952 |
| Net interest margin | 3.2512% | 4,260 |
| Noninterest income to average assets | 0.4957% | 3,053 |
| Noninterest expense to average assets | 2.4100% | 4,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9378% | 2,733 |
| Return on assets (ROA) | 0.9364% | 2,797 |
| Pretax return on assets | 0.9750% | 3,660 |
| Return on Equity (ROE) | 8.6999% | 2,668 |
| Retained earnings to average equity (ytd only) | 6.6861% | 1,746 |
| Net charge-offs to loans | -0.1966% | 5,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1664% | 2,486 |
| Assets per employee ($millions) | 4.1549% | 3,705 |
| Cash dividends to net income (ytd only)* | 23.1481% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0402% | 562 |
| Loan loss allowance to noncurrent loans | 601.1403% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 2,480 |
| Noncurrent loans to loans | 0.3394% | 3,828 |
| Net loans and leases to total assets | 61.5392% | 3,681 |
| Net loans and leases to deposits | 69.3232% | 3,960 |
| Net loans and leases to core deposits | 76.7345% | 3,706 |
| Total domestic deposits to total assets | 88.7714% | 1,069 |
| Equity capital to assets | 11.0419% | 2,762 |
| Core capital (leverage) ratio | 11.0493% | 2,359 |
| Tier 1 risk-based capital ratio | 14.5535% | 3,132 |
| Total risk-based capital ratio | 15.8090% | 3,052 |
| Memoranda: | ||
| Average total assets | $415,191,670 | 1,667 |
| Average earning assets | $369,150,330 | 1,725 |
| Average equity | $44,690,000 | 1,685 |
| Average total loans | $248,261,670 | 1,838 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3522% | 5,026 |
| Cost of funding earning assets | 0.3174% | 3,876 |
| Net interest margin | 3.0348% | 4,819 |
| Noninterest income to average assets | 0.4910% | 3,038 |
| Noninterest expense to average assets | 2.3772% | 4,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7824% | 3,295 |
| Return on assets (ROA) | 0.7806% | 3,364 |
| Pretax return on assets | 0.8074% | 4,085 |
| Return on Equity (ROE) | 7.3457% | 3,238 |
| Retained earnings to average equity (ytd only) | 7.3457% | 1,720 |
| Net charge-offs to loans | 0.0164% | 2,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 84.4000% | 629 |
| Efficiency ratio | 74.6013% | 2,127 |
| Assets per employee ($millions) | 4.3613% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0172% | 654 |
| Loan loss allowance to noncurrent loans | 793.9873% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.8572% | 2,162 |
| Noncurrent loans to loans | 0.2541% | 4,203 |
| Net loans and leases to total assets | 59.4538% | 3,840 |
| Net loans and leases to deposits | 66.8952% | 4,098 |
| Net loans and leases to core deposits | 73.9108% | 3,844 |
| Total domestic deposits to total assets | 88.8760% | 1,211 |
| Equity capital to assets | 10.9132% | 2,729 |
| Core capital (leverage) ratio | 10.9408% | 2,422 |
| Tier 1 risk-based capital ratio | 14.4900% | 3,206 |
| Total risk-based capital ratio | 15.7448% | 3,137 |
| Memoranda: | ||
| Average total assets | $417,121,000 | 1,671 |
| Average earning assets | $370,508,000 | 1,732 |
| Average equity | $44,325,500 | 1,701 |
| Average total loans | $243,191,000 | 1,877 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3684% | 5,041 |
| Cost of funding earning assets | 0.3801% | 3,204 |
| Net interest margin | 2.9883% | 4,982 |
| Noninterest income to average assets | 0.6369% | 2,473 |
| Noninterest expense to average assets | 2.5003% | 4,011 |
| Loan and lease loss provision to assets | 0.0306% | 3,742 |
| Net operating income to assets | 0.7283% | 3,649 |
| Return on assets (ROA) | 0.7248% | 3,782 |
| Pretax return on assets | 0.7736% | 4,258 |
| Return on Equity (ROE) | 6.8530% | 3,545 |
| Retained earnings to average equity (ytd only) | 3.7635% | 3,241 |
| Net charge-offs to loans | 0.0032% | 4,148 |
| Credit loss provision to net charge-offs | 1,562.5000% | 273 |
| Earnings coverage of net charge-offs (x) | 412.2500% | 196 |
| Efficiency ratio | 75.5794% | 2,050 |
| Assets per employee ($millions) | 4.4661% | 3,166 |
| Cash dividends to net income (ytd only)* | 45.0828% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1159% | 534 |
| Loan loss allowance to noncurrent loans | 1,185.8491% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 2,403 |
| Noncurrent loans to loans | 0.1784% | 4,519 |
| Net loans and leases to total assets | 54.8218% | 4,361 |
| Net loans and leases to deposits | 61.2984% | 4,586 |
| Net loans and leases to core deposits | 67.6521% | 4,422 |
| Total domestic deposits to total assets | 89.4343% | 889 |
| Equity capital to assets | 10.3495% | 3,328 |
| Core capital (leverage) ratio | 10.7148% | 2,636 |
| Tier 1 risk-based capital ratio | 14.2684% | 3,304 |
| Total risk-based capital ratio | 15.5230% | 3,232 |
| Memoranda: | ||
| Average total assets | $408,223,200 | 1,652 |
| Average earning assets | $364,925,400 | 1,704 |
| Average equity | $43,178,000 | 1,720 |
| Average total loans | $246,165,600 | 1,813 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3753% | 5,069 |
| Cost of funding earning assets | 0.3958% | 3,057 |
| Net interest margin | 2.9795% | 5,053 |
| Noninterest income to average assets | 0.6518% | 2,412 |
| Noninterest expense to average assets | 2.5399% | 3,862 |
| Loan and lease loss provision to assets | 0.0412% | 3,411 |
| Net operating income to assets | 0.7166% | 3,757 |
| Return on assets (ROA) | 0.7128% | 3,917 |
| Pretax return on assets | 0.7412% | 4,495 |
| Return on Equity (ROE) | 6.7014% | 3,721 |
| Retained earnings to average equity (ytd only) | 3.6500% | 3,703 |
| Net charge-offs to loans | -0.0048% | 4,613 |
| Credit loss provision to net charge-offs | -1,388.8889% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3586% | 1,925 |
| Assets per employee ($millions) | 4.4168% | 3,219 |
| Cash dividends to net income (ytd only)* | 45.5346% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0553% | 660 |
| Loan loss allowance to noncurrent loans | 820.3252% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.8606% | 2,402 |
| Noncurrent loans to loans | 0.2505% | 4,368 |
| Net loans and leases to total assets | 59.1652% | 3,981 |
| Net loans and leases to deposits | 66.4732% | 4,304 |
| Net loans and leases to core deposits | 73.7215% | 4,022 |
| Total domestic deposits to total assets | 89.0060% | 906 |
| Equity capital to assets | 10.7555% | 3,304 |
| Core capital (leverage) ratio | 10.7583% | 2,721 |
| Tier 1 risk-based capital ratio | 14.3031% | 3,393 |
| Total risk-based capital ratio | 15.5582% | 3,320 |
| Memoranda: | ||
| Average total assets | $404,209,000 | 1,668 |
| Average earning assets | $362,822,000 | 1,713 |
| Average equity | $42,994,750 | 1,733 |
| Average total loans | $248,300,500 | 1,804 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3399% | 5,203 |
| Cost of funding earning assets | 0.4025% | 3,017 |
| Net interest margin | 2.9374% | 5,192 |
| Noninterest income to average assets | 0.6369% | 2,430 |
| Noninterest expense to average assets | 2.5368% | 3,918 |
| Loan and lease loss provision to assets | 0.0620% | 2,895 |
| Net operating income to assets | 0.6447% | 4,070 |
| Return on assets (ROA) | 0.6414% | 4,229 |
| Pretax return on assets | 0.6682% | 4,720 |
| Return on Equity (ROE) | 6.0527% | 4,024 |
| Retained earnings to average equity (ytd only) | 2.3855% | 4,362 |
| Net charge-offs to loans | -0.0144% | 4,828 |
| Credit loss provision to net charge-offs | -694.4444% | 5,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5690% | 1,856 |
| Assets per employee ($millions) | 3.9805% | 3,948 |
| Cash dividends to net income (ytd only)* | 60.5873% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0517% | 672 |
| Loan loss allowance to noncurrent loans | 659.7911% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.9522% | 2,248 |
| Noncurrent loans to loans | 0.3110% | 4,251 |
| Net loans and leases to total assets | 60.0151% | 3,885 |
| Net loans and leases to deposits | 67.3853% | 4,237 |
| Net loans and leases to core deposits | 75.1638% | 3,897 |
| Total domestic deposits to total assets | 89.0626% | 888 |
| Equity capital to assets | 10.7100% | 3,387 |
| Core capital (leverage) ratio | 10.7213% | 2,724 |
| Tier 1 risk-based capital ratio | 14.0546% | 3,571 |
| Total risk-based capital ratio | 15.3098% | 3,487 |
| Memoranda: | ||
| Average total assets | $403,495,670 | 1,675 |
| Average earning assets | $361,751,330 | 1,721 |
| Average equity | $42,758,000 | 1,742 |
| Average total loans | $249,246,670 | 1,801 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3864% | 5,156 |
| Cost of funding earning assets | 0.3990% | 3,077 |
| Net interest margin | 2.9874% | 5,149 |
| Noninterest income to average assets | 0.6303% | 2,367 |
| Noninterest expense to average assets | 2.5283% | 3,985 |
| Loan and lease loss provision to assets | 0.1237% | 1,708 |
| Net operating income to assets | 0.6242% | 4,080 |
| Return on assets (ROA) | 0.6195% | 4,217 |
| Pretax return on assets | 0.6482% | 4,682 |
| Return on Equity (ROE) | 5.8768% | 4,044 |
| Retained earnings to average equity (ytd only) | 2.5535% | 4,224 |
| Net charge-offs to loans | 0.0287% | 2,367 |
| Credit loss provision to net charge-offs | 694.4444% | 485 |
| Earnings coverage of net charge-offs (x) | 43.6111% | 959 |
| Efficiency ratio | 76.4970% | 2,108 |
| Assets per employee ($millions) | 3.8790% | 4,165 |
| Cash dividends to net income (ytd only)* | 56.5495% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9966% | 825 |
| Loan loss allowance to noncurrent loans | 744.5104% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.9514% | 2,325 |
| Noncurrent loans to loans | 0.2682% | 4,476 |
| Net loans and leases to total assets | 61.6494% | 3,575 |
| Net loans and leases to deposits | 69.2241% | 3,929 |
| Net loans and leases to core deposits | 77.2737% | 3,569 |
| Total domestic deposits to total assets | 89.0577% | 1,070 |
| Equity capital to assets | 10.7125% | 3,240 |
| Core capital (leverage) ratio | 10.8518% | 2,567 |
| Tier 1 risk-based capital ratio | 13.8163% | 3,800 |
| Total risk-based capital ratio | 15.0710% | 3,738 |
| Memoranda: | ||
| Average total assets | $404,226,500 | 1,667 |
| Average earning assets | $361,917,000 | 1,720 |
| Average equity | $42,608,000 | 1,742 |
| Average total loans | $250,702,500 | 1,795 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4298% | 5,099 |
| Cost of funding earning assets | 0.4406% | 2,736 |
| Net interest margin | 2.9892% | 5,165 |
| Noninterest income to average assets | 0.4823% | 3,448 |
| Noninterest expense to average assets | 2.5340% | 4,118 |
| Loan and lease loss provision to assets | 0.0720% | 2,830 |
| Net operating income to assets | 0.5324% | 4,576 |
| Return on assets (ROA) | 0.5278% | 4,670 |
| Pretax return on assets | 0.5296% | 5,043 |
| Return on Equity (ROE) | 4.9398% | 4,533 |
| Retained earnings to average equity (ytd only) | 4.4297% | 2,830 |
| Net charge-offs to loans | 0.1779% | 1,612 |
| Credit loss provision to net charge-offs | 64.3678% | 3,202 |
| Earnings coverage of net charge-offs (x) | 5.4207% | 3,392 |
| Efficiency ratio | 80.6959% | 1,582 |
| Assets per employee ($millions) | 4.1305% | 3,693 |
| Cash dividends to net income (ytd only)* | 10.3264% | 4,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9638% | 855 |
| Loan loss allowance to noncurrent loans | 1,268.9922% | 482 |
| Noncurrent assets plus other real estate owned to assets | 1.0266% | 2,140 |
| Noncurrent loans to loans | 0.1548% | 4,873 |
| Net loans and leases to total assets | 59.9546% | 3,845 |
| Net loans and leases to deposits | 67.0839% | 4,214 |
| Net loans and leases to core deposits | 74.6968% | 3,875 |
| Total domestic deposits to total assets | 89.3725% | 925 |
| Equity capital to assets | 10.3727% | 3,535 |
| Core capital (leverage) ratio | 10.6094% | 2,815 |
| Tier 1 risk-based capital ratio | 13.7853% | 3,834 |
| Total risk-based capital ratio | 15.0397% | 3,757 |
| Memoranda: | ||
| Average total assets | $388,996,400 | 1,693 |
| Average earning assets | $345,881,600 | 1,758 |
| Average equity | $41,560,200 | 1,743 |
| Average total loans | $244,558,200 | 1,764 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4372% | 5,123 |
| Cost of funding earning assets | 0.4524% | 2,657 |
| Net interest margin | 2.9848% | 5,234 |
| Noninterest income to average assets | 0.4854% | 3,473 |
| Noninterest expense to average assets | 2.5748% | 3,964 |
| Loan and lease loss provision to assets | 0.0451% | 3,309 |
| Net operating income to assets | 0.4983% | 4,796 |
| Return on assets (ROA) | 0.4934% | 4,904 |
| Pretax return on assets | 0.5173% | 5,178 |
| Return on Equity (ROE) | 4.5823% | 4,802 |
| Retained earnings to average equity (ytd only) | 3.8987% | 3,695 |
| Net charge-offs to loans | 0.0691% | 2,575 |
| Credit loss provision to net charge-offs | 103.1746% | 2,203 |
| Earnings coverage of net charge-offs (x) | 12.9759% | 2,366 |
| Efficiency ratio | 81.9357% | 1,408 |
| Assets per employee ($millions) | 3.9100% | 4,061 |
| Cash dividends to net income (ytd only)* | 14.9191% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0040% | 909 |
| Loan loss allowance to noncurrent loans | 681.4516% | 786 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 2,120 |
| Noncurrent loans to loans | 0.2941% | 4,535 |
| Net loans and leases to total assets | 64.0492% | 3,302 |
| Net loans and leases to deposits | 72.0779% | 3,758 |
| Net loans and leases to core deposits | 80.7832% | 3,364 |
| Total domestic deposits to total assets | 88.8611% | 1,092 |
| Equity capital to assets | 10.8581% | 3,183 |
| Core capital (leverage) ratio | 10.7260% | 2,793 |
| Tier 1 risk-based capital ratio | 13.7083% | 4,018 |
| Total risk-based capital ratio | 14.9635% | 3,950 |
| Memoranda: | ||
| Average total assets | $384,015,250 | 1,727 |
| Average earning assets | $341,862,250 | 1,789 |
| Average equity | $41,346,250 | 1,764 |
| Average total loans | $243,178,250 | 1,780 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3925% | 5,246 |
| Cost of funding earning assets | 0.4639% | 2,573 |
| Net interest margin | 2.9286% | 5,389 |
| Noninterest income to average assets | 0.4590% | 3,638 |
| Noninterest expense to average assets | 2.5249% | 4,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5148% | 4,703 |
| Return on assets (ROA) | 0.5128% | 4,824 |
| Pretax return on assets | 0.5332% | 5,142 |
| Return on Equity (ROE) | 4.7765% | 4,715 |
| Retained earnings to average equity (ytd only) | 3.7453% | 3,629 |
| Net charge-offs to loans | 0.0759% | 2,308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.2637% | 2,306 |
| Efficiency ratio | 82.5085% | 1,428 |
| Assets per employee ($millions) | 3.7719% | 4,290 |
| Cash dividends to net income (ytd only)* | 21.5886% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0030% | 983 |
| Loan loss allowance to noncurrent loans | 645.2659% | 818 |
| Noncurrent assets plus other real estate owned to assets | 1.1405% | 2,229 |
| Noncurrent loans to loans | 0.3104% | 4,579 |
| Net loans and leases to total assets | 63.2667% | 3,375 |
| Net loans and leases to deposits | 71.1624% | 3,801 |
| Net loans and leases to core deposits | 79.4372% | 3,447 |
| Total domestic deposits to total assets | 88.9047% | 1,184 |
| Equity capital to assets | 10.8039% | 3,102 |
| Core capital (leverage) ratio | 10.8206% | 2,593 |
| Tier 1 risk-based capital ratio | 13.9466% | 3,964 |
| Total risk-based capital ratio | 15.2019% | 3,894 |
| Memoranda: | ||
| Average total assets | $382,989,330 | 1,737 |
| Average earning assets | $340,165,670 | 1,803 |
| Average equity | $41,118,000 | 1,780 |
| Average total loans | $239,904,330 | 1,814 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3491% | 5,329 |
| Cost of funding earning assets | 0.4774% | 2,478 |
| Net interest margin | 2.8717% | 5,500 |
| Noninterest income to average assets | 0.4501% | 3,635 |
| Noninterest expense to average assets | 2.5175% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4468% | 4,889 |
| Return on assets (ROA) | 0.4438% | 5,016 |
| Pretax return on assets | 0.4794% | 5,231 |
| Return on Equity (ROE) | 4.1473% | 4,916 |
| Retained earnings to average equity (ytd only) | 2.0737% | 4,637 |
| Net charge-offs to loans | 0.1612% | 1,303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.8526% | 2,447 |
| Efficiency ratio | 83.9149% | 1,394 |
| Assets per employee ($millions) | 3.9683% | 4,028 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1161% | 908 |
| Loan loss allowance to noncurrent loans | 781.6038% | 676 |
| Noncurrent assets plus other real estate owned to assets | 1.2072% | 2,219 |
| Noncurrent loans to loans | 0.2707% | 4,811 |
| Net loans and leases to total assets | 60.3599% | 3,599 |
| Net loans and leases to deposits | 67.8474% | 3,971 |
| Net loans and leases to core deposits | 76.2757% | 3,569 |
| Total domestic deposits to total assets | 88.9643% | 1,296 |
| Equity capital to assets | 10.7772% | 3,228 |
| Core capital (leverage) ratio | 10.6582% | 2,784 |
| Tier 1 risk-based capital ratio | 14.9183% | 3,473 |
| Total risk-based capital ratio | 16.1754% | 3,406 |
| Memoranda: | ||
| Average total assets | $382,119,000 | 1,744 |
| Average earning assets | $339,314,000 | 1,808 |
| Average equity | $40,894,000 | 1,798 |
| Average total loans | $235,666,000 | 1,834 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1797% | 5,860 |
| Cost of funding earning assets | 0.5215% | 2,476 |
| Net interest margin | 2.6581% | 6,000 |
| Noninterest income to average assets | 0.2542% | 5,314 |
| Noninterest expense to average assets | 2.5258% | 4,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0914% | 5,964 |
| Return on assets (ROA) | 0.0797% | 6,007 |
| Pretax return on assets | 0.0792% | 6,008 |
| Return on Equity (ROE) | 0.7488% | 5,997 |
| Retained earnings to average equity (ytd only) | -0.1989% | 5,803 |
| Net charge-offs to loans | 0.0471% | 3,884 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.3143% | 3,919 |
| Efficiency ratio | 96.5252% | 482 |
| Assets per employee ($millions) | 3.9514% | 4,062 |
| Cash dividends to net income (ytd only)* | 126.5574% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1428% | 894 |
| Loan loss allowance to noncurrent loans | 999.2110% | 584 |
| Noncurrent assets plus other real estate owned to assets | 1.2215% | 2,327 |
| Noncurrent loans to loans | 0.2145% | 5,050 |
| Net loans and leases to total assets | 60.3603% | 3,742 |
| Net loans and leases to deposits | 67.7665% | 4,148 |
| Net loans and leases to core deposits | 75.8066% | 3,735 |
| Total domestic deposits to total assets | 89.0711% | 1,202 |
| Equity capital to assets | 10.6271% | 3,326 |
| Core capital (leverage) ratio | 10.7241% | 2,695 |
| Tier 1 risk-based capital ratio | 15.1655% | 3,403 |
| Total risk-based capital ratio | 16.4236% | 3,346 |
| Memoranda: | ||
| Average total assets | $382,731,200 | 1,714 |
| Average earning assets | $340,161,400 | 1,759 |
| Average equity | $40,730,000 | 1,753 |
| Average total loans | $222,956,200 | 1,880 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1595% | 5,946 |
| Cost of funding earning assets | 0.5302% | 2,463 |
| Net interest margin | 2.6293% | 6,099 |
| Noninterest income to average assets | 0.3116% | 4,951 |
| Noninterest expense to average assets | 2.4847% | 4,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1648% | 5,914 |
| Return on assets (ROA) | 0.1558% | 5,969 |
| Pretax return on assets | 0.1558% | 6,005 |
| Return on Equity (ROE) | 1.4633% | 5,958 |
| Retained earnings to average equity (ytd only) | 0.1997% | 5,745 |
| Net charge-offs to loans | 0.0650% | 3,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.4207% | 3,465 |
| Efficiency ratio | 93.7788% | 609 |
| Assets per employee ($millions) | 3.8734% | 4,138 |
| Cash dividends to net income (ytd only)* | 86.3521% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1619% | 1,002 |
| Loan loss allowance to noncurrent loans | 2,075.4098% | 295 |
| Noncurrent assets plus other real estate owned to assets | 1.2107% | 2,530 |
| Noncurrent loans to loans | 0.1042% | 5,623 |
| Net loans and leases to total assets | 62.2803% | 3,444 |
| Net loans and leases to deposits | 70.2880% | 3,887 |
| Net loans and leases to core deposits | 79.1277% | 3,424 |
| Total domestic deposits to total assets | 88.6074% | 1,446 |
| Equity capital to assets | 11.1021% | 2,859 |
| Core capital (leverage) ratio | 10.7808% | 2,716 |
| Tier 1 risk-based capital ratio | 15.5721% | 3,275 |
| Total risk-based capital ratio | 16.8306% | 3,209 |
| Memoranda: | ||
| Average total assets | $382,592,750 | 1,726 |
| Average earning assets | $340,214,750 | 1,768 |
| Average equity | $40,729,500 | 1,760 |
| Average total loans | $219,590,750 | 1,919 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0927% | 6,070 |
| Cost of funding earning assets | 0.5289% | 2,551 |
| Net interest margin | 2.5638% | 6,213 |
| Noninterest income to average assets | 0.3051% | 4,963 |
| Noninterest expense to average assets | 2.4131% | 4,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1669% | 5,914 |
| Return on assets (ROA) | 0.1543% | 5,979 |
| Pretax return on assets | 0.1585% | 6,012 |
| Return on Equity (ROE) | 1.4697% | 5,957 |
| Retained earnings to average equity (ytd only) | -0.4276% | 5,758 |
| Net charge-offs to loans | 0.1015% | 2,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.0459% | 3,403 |
| Efficiency ratio | 93.3693% | 675 |
| Assets per employee ($millions) | 4.0119% | 3,813 |
| Cash dividends to net income (ytd only)* | 129.0970% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2746% | 926 |
| Loan loss allowance to noncurrent loans | 1,137.5281% | 476 |
| Noncurrent assets plus other real estate owned to assets | 1.2193% | 2,650 |
| Noncurrent loans to loans | 0.2000% | 5,416 |
| Net loans and leases to total assets | 57.0638% | 4,102 |
| Net loans and leases to deposits | 64.0820% | 4,488 |
| Net loans and leases to core deposits | 72.5270% | 3,997 |
| Total domestic deposits to total assets | 89.0480% | 1,326 |
| Equity capital to assets | 10.6870% | 3,213 |
| Core capital (leverage) ratio | 10.6201% | 2,803 |
| Tier 1 risk-based capital ratio | 16.2575% | 2,950 |
| Total risk-based capital ratio | 17.5171% | 2,897 |
| Memoranda: | ||
| Average total assets | $387,465,330 | 1,699 |
| Average earning assets | $344,488,670 | 1,741 |
| Average equity | $40,688,330 | 1,754 |
| Average total loans | $214,707,670 | 1,946 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0336% | 6,205 |
| Cost of funding earning assets | 0.5285% | 2,621 |
| Net interest margin | 2.5050% | 6,329 |
| Noninterest income to average assets | 0.2693% | 5,212 |
| Noninterest expense to average assets | 2.3777% | 4,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1096% | 6,008 |
| Return on assets (ROA) | 0.1096% | 6,041 |
| Pretax return on assets | 0.1096% | 6,061 |
| Return on Equity (ROE) | 1.0525% | 6,029 |
| Retained earnings to average equity (ytd only) | -2.7442% | 5,938 |
| Net charge-offs to loans | 0.3492% | 1,023 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.5815% | 3,310 |
| Efficiency ratio | 95.5949% | 665 |
| Assets per employee ($millions) | 4.2995% | 3,344 |
| Cash dividends to net income (ytd only)* | 360.7477% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3058% | 1,019 |
| Loan loss allowance to noncurrent loans | 832.5543% | 609 |
| Noncurrent assets plus other real estate owned to assets | 1.1533% | 2,959 |
| Noncurrent loans to loans | 0.2770% | 5,273 |
| Net loans and leases to total assets | 55.2187% | 4,250 |
| Net loans and leases to deposits | 61.9429% | 4,554 |
| Net loans and leases to core deposits | 70.2688% | 4,057 |
| Total domestic deposits to total assets | 89.1445% | 1,560 |
| Equity capital to assets | 10.5939% | 3,151 |
| Core capital (leverage) ratio | 10.4936% | 2,945 |
| Tier 1 risk-based capital ratio | 16.9317% | 2,723 |
| Total risk-based capital ratio | 18.1923% | 2,669 |
| Memoranda: | ||
| Average total assets | $390,634,000 | 1,707 |
| Average earning assets | $345,863,000 | 1,740 |
| Average equity | $40,667,000 | 1,753 |
| Average total loans | $210,787,500 | 1,972 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3657% | 5,901 |
| Cost of funding earning assets | 0.5516% | 3,094 |
| Net interest margin | 2.8141% | 5,952 |
| Noninterest income to average assets | 0.2554% | 5,519 |
| Noninterest expense to average assets | 2.4756% | 4,844 |
| Loan and lease loss provision to assets | 0.1050% | 3,043 |
| Net operating income to assets | 0.1541% | 5,933 |
| Return on assets (ROA) | 0.1690% | 5,959 |
| Pretax return on assets | 0.1669% | 5,993 |
| Return on Equity (ROE) | 1.5896% | 5,963 |
| Retained earnings to average equity (ytd only) | 1.5896% | 5,088 |
| Net charge-offs to loans | 0.1380% | 3,424 |
| Credit loss provision to net charge-offs | 137.9310% | 1,693 |
| Earnings coverage of net charge-offs (x) | 3.3759% | 3,871 |
| Efficiency ratio | 90.5965% | 978 |
| Assets per employee ($millions) | 4.3804% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5189% | 814 |
| Loan loss allowance to noncurrent loans | 675.9477% | 726 |
| Noncurrent assets plus other real estate owned to assets | 1.2263% | 2,952 |
| Noncurrent loans to loans | 0.3726% | 5,073 |
| Net loans and leases to total assets | 50.2041% | 5,061 |
| Net loans and leases to deposits | 56.1027% | 5,292 |
| Net loans and leases to core deposits | 63.2919% | 4,941 |
| Total domestic deposits to total assets | 89.4860% | 1,342 |
| Equity capital to assets | 10.2345% | 3,462 |
| Core capital (leverage) ratio | 10.6102% | 2,771 |
| Tier 1 risk-based capital ratio | 17.5261% | 2,404 |
| Total risk-based capital ratio | 18.7883% | 2,378 |
| Memoranda: | ||
| Average total assets | $380,994,400 | 1,724 |
| Average earning assets | $335,383,800 | 1,771 |
| Average equity | $40,514,400 | 1,726 |
| Average total loans | $210,130,400 | 1,925 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4558% | 5,777 |
| Cost of funding earning assets | 0.5539% | 3,226 |
| Net interest margin | 2.9019% | 5,813 |
| Noninterest income to average assets | 0.2365% | 5,741 |
| Noninterest expense to average assets | 2.5236% | 4,643 |
| Loan and lease loss provision to assets | 0.1416% | 2,520 |
| Net operating income to assets | 0.1285% | 6,081 |
| Return on assets (ROA) | 0.1285% | 6,149 |
| Pretax return on assets | 0.1271% | 6,180 |
| Return on Equity (ROE) | 1.1967% | 6,143 |
| Retained earnings to average equity (ytd only) | 1.1967% | 5,501 |
| Net charge-offs to loans | 0.1804% | 2,782 |
| Credit loss provision to net charge-offs | 139.8601% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2.6539% | 3,949 |
| Efficiency ratio | 90.3766% | 959 |
| Assets per employee ($millions) | 4.2818% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4988% | 936 |
| Loan loss allowance to noncurrent loans | 869.7479% | 540 |
| Noncurrent assets plus other real estate owned to assets | 1.3379% | 2,966 |
| Noncurrent loans to loans | 0.2873% | 5,513 |
| Net loans and leases to total assets | 54.2044% | 4,580 |
| Net loans and leases to deposits | 61.0330% | 4,863 |
| Net loans and leases to core deposits | 69.2162% | 4,403 |
| Total domestic deposits to total assets | 88.8115% | 1,665 |
| Equity capital to assets | 10.8564% | 2,908 |
| Core capital (leverage) ratio | 10.8443% | 2,625 |
| Tier 1 risk-based capital ratio | 17.3389% | 2,567 |
| Total risk-based capital ratio | 18.6010% | 2,532 |
| Memoranda: | ||
| Average total assets | $376,589,750 | 1,748 |
| Average earning assets | $331,687,500 | 1,806 |
| Average equity | $40,444,000 | 1,739 |
| Average total loans | $211,340,250 | 1,921 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5027% | 5,688 |
| Cost of funding earning assets | 0.5513% | 3,396 |
| Net interest margin | 2.9514% | 5,692 |
| Noninterest income to average assets | 0.4027% | 4,504 |
| Noninterest expense to average assets | 2.5258% | 4,644 |
| Loan and lease loss provision to assets | 0.1852% | 2,042 |
| Net operating income to assets | 0.2704% | 5,713 |
| Return on assets (ROA) | 0.2704% | 5,850 |
| Pretax return on assets | 0.2810% | 5,924 |
| Return on Equity (ROE) | 2.5269% | 5,783 |
| Retained earnings to average equity (ytd only) | 2.5269% | 4,685 |
| Net charge-offs to loans | 0.3506% | 1,791 |
| Credit loss provision to net charge-offs | 93.8338% | 2,355 |
| Earnings coverage of net charge-offs (x) | 2.3619% | 3,732 |
| Efficiency ratio | 84.4181% | 1,588 |
| Assets per employee ($millions) | 4.2316% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3367% | 1,202 |
| Loan loss allowance to noncurrent loans | 239.0417% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 1.4587% | 2,920 |
| Noncurrent loans to loans | 0.9775% | 3,981 |
| Net loans and leases to total assets | 56.5563% | 4,197 |
| Net loans and leases to deposits | 63.7261% | 4,544 |
| Net loans and leases to core deposits | 72.4668% | 3,988 |
| Total domestic deposits to total assets | 88.7489% | 1,757 |
| Equity capital to assets | 10.9062% | 2,841 |
| Core capital (leverage) ratio | 10.8358% | 2,518 |
| Tier 1 risk-based capital ratio | 17.1689% | 2,652 |
| Total risk-based capital ratio | 18.4298% | 2,622 |
| Memoranda: | ||
| Average total assets | $377,947,000 | 1,744 |
| Average earning assets | $331,574,000 | 1,804 |
| Average equity | $40,444,670 | 1,741 |
| Average total loans | $212,755,000 | 1,915 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 5,439 |
| Cost of funding earning assets | 0.5491% | 3,577 |
| Net interest margin | 3.0561% | 5,410 |
| Noninterest income to average assets | 0.3782% | 4,639 |
| Noninterest expense to average assets | 2.5141% | 4,703 |
| Loan and lease loss provision to assets | 0.2101% | 1,764 |
| Net operating income to assets | 0.3078% | 5,541 |
| Return on assets (ROA) | 0.3078% | 5,667 |
| Pretax return on assets | 0.3204% | 5,811 |
| Return on Equity (ROE) | 2.9038% | 5,623 |
| Retained earnings to average equity (ytd only) | 2.9038% | 4,541 |
| Net charge-offs to loans | 0.0890% | 2,948 |
| Credit loss provision to net charge-offs | 425.5319% | 610 |
| Earnings coverage of net charge-offs (x) | 10.7447% | 1,716 |
| Efficiency ratio | 82.5742% | 1,951 |
| Assets per employee ($millions) | 4.2884% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4862% | 1,135 |
| Loan loss allowance to noncurrent loans | 446.1078% | 944 |
| Noncurrent assets plus other real estate owned to assets | 1.2722% | 3,433 |
| Noncurrent loans to loans | 0.5573% | 5,047 |
| Net loans and leases to total assets | 54.1996% | 4,377 |
| Net loans and leases to deposits | 60.9258% | 4,690 |
| Net loans and leases to core deposits | 69.1709% | 4,165 |
| Total domestic deposits to total assets | 88.9600% | 1,706 |
| Equity capital to assets | 10.7483% | 3,266 |
| Core capital (leverage) ratio | 10.8539% | 2,397 |
| Tier 1 risk-based capital ratio | 17.3334% | 2,633 |
| Total risk-based capital ratio | 18.5956% | 2,593 |
| Memoranda: | ||
| Average total assets | $380,729,000 | 1,746 |
| Average earning assets | $332,192,000 | 1,825 |
| Average equity | $40,360,500 | 1,761 |
| Average total loans | $211,310,000 | 1,935 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0858% | 5,000 |
| Cost of funding earning assets | 0.6618% | 3,818 |
| Net interest margin | 3.4240% | 4,800 |
| Noninterest income to average assets | 0.5027% | 3,879 |
| Noninterest expense to average assets | 2.7554% | 4,198 |
| Loan and lease loss provision to assets | 0.4022% | 1,613 |
| Net operating income to assets | 0.3229% | 5,389 |
| Return on assets (ROA) | 0.3169% | 5,618 |
| Pretax return on assets | 0.3264% | 5,773 |
| Return on Equity (ROE) | 2.9511% | 5,565 |
| Retained earnings to average equity (ytd only) | 2.0582% | 4,775 |
| Net charge-offs to loans | 1.0145% | 1,070 |
| Credit loss provision to net charge-offs | 63.2453% | 4,367 |
| Earnings coverage of net charge-offs (x) | 1.1555% | 4,884 |
| Efficiency ratio | 78.9461% | 2,282 |
| Assets per employee ($millions) | 4.0859% | 3,776 |
| Cash dividends to net income (ytd only)* | 30.2564% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3776% | 1,268 |
| Loan loss allowance to noncurrent loans | 431.4578% | 931 |
| Noncurrent assets plus other real estate owned to assets | 1.4174% | 3,277 |
| Noncurrent loans to loans | 0.5511% | 5,151 |
| Net loans and leases to total assets | 54.1050% | 4,605 |
| Net loans and leases to deposits | 60.6725% | 4,949 |
| Net loans and leases to core deposits | 69.0261% | 4,437 |
| Total domestic deposits to total assets | 89.1756% | 1,452 |
| Equity capital to assets | 10.4560% | 3,578 |
| Core capital (leverage) ratio | 10.7184% | 2,525 |
| Tier 1 risk-based capital ratio | 17.1369% | 2,588 |
| Total risk-based capital ratio | 18.3982% | 2,558 |
| Memoranda: | ||
| Average total assets | $369,207,200 | 1,763 |
| Average earning assets | $322,136,400 | 1,844 |
| Average equity | $39,646,800 | 1,757 |
| Average total loans | $231,435,000 | 1,758 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2069% | 4,801 |
| Cost of funding earning assets | 0.6824% | 3,922 |
| Net interest margin | 3.5245% | 4,548 |
| Noninterest income to average assets | 0.5341% | 3,720 |
| Noninterest expense to average assets | 2.7882% | 4,019 |
| Loan and lease loss provision to assets | 0.3958% | 1,620 |
| Net operating income to assets | 0.4153% | 5,182 |
| Return on assets (ROA) | 0.4119% | 5,430 |
| Pretax return on assets | 0.4381% | 5,631 |
| Return on Equity (ROE) | 3.8091% | 5,365 |
| Retained earnings to average equity (ytd only) | 2.6147% | 5,001 |
| Net charge-offs to loans | 1.2064% | 807 |
| Credit loss provision to net charge-offs | 50.7959% | 4,385 |
| Earnings coverage of net charge-offs (x) | 1.0749% | 4,772 |
| Efficiency ratio | 76.8991% | 2,538 |
| Assets per employee ($millions) | 4.0284% | 3,811 |
| Cash dividends to net income (ytd only)* | 31.3552% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1473% | 1,815 |
| Loan loss allowance to noncurrent loans | 126.4401% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 2.3580% | 2,255 |
| Noncurrent loans to loans | 1.6983% | 3,239 |
| Net loans and leases to total assets | 60.5765% | 3,661 |
| Net loans and leases to deposits | 68.3187% | 4,132 |
| Net loans and leases to core deposits | 78.5352% | 3,386 |
| Total domestic deposits to total assets | 88.6675% | 1,614 |
| Equity capital to assets | 10.9601% | 3,318 |
| Core capital (leverage) ratio | 11.0048% | 2,376 |
| Tier 1 risk-based capital ratio | 16.1065% | 3,215 |
| Total risk-based capital ratio | 17.3652% | 3,182 |
| Memoranda: | ||
| Average total assets | $365,489,750 | 1,803 |
| Average earning assets | $320,609,000 | 1,870 |
| Average equity | $39,518,750 | 1,779 |
| Average total loans | $236,077,250 | 1,754 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0551% | 5,473 |
| Cost of funding earning assets | 0.7120% | 3,922 |
| Net interest margin | 3.3431% | 5,295 |
| Noninterest income to average assets | 0.4103% | 4,577 |
| Noninterest expense to average assets | 2.8084% | 3,985 |
| Loan and lease loss provision to assets | 0.1096% | 4,153 |
| Net operating income to assets | 0.3907% | 5,243 |
| Return on assets (ROA) | 0.3856% | 5,504 |
| Pretax return on assets | 0.4163% | 5,666 |
| Return on Equity (ROE) | 3.5828% | 5,447 |
| Retained earnings to average equity (ytd only) | 1.7812% | 5,305 |
| Net charge-offs to loans | -0.0544% | 6,684 |
| Credit loss provision to net charge-offs | -307.6923% | 6,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0905% | 1,622 |
| Assets per employee ($millions) | 3.8634% | 4,158 |
| Cash dividends to net income (ytd only)* | 50.2841% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6330% | 1,114 |
| Loan loss allowance to noncurrent loans | 49.7508% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 4.0315% | 1,262 |
| Noncurrent loans to loans | 5.2924% | 902 |
| Net loans and leases to total assets | 63.6975% | 3,101 |
| Net loans and leases to deposits | 71.9308% | 3,623 |
| Net loans and leases to core deposits | 82.7210% | 2,867 |
| Total domestic deposits to total assets | 88.5539% | 1,784 |
| Equity capital to assets | 11.0365% | 3,078 |
| Core capital (leverage) ratio | 10.9991% | 2,292 |
| Tier 1 risk-based capital ratio | 15.6830% | 3,344 |
| Total risk-based capital ratio | 16.9481% | 3,297 |
| Memoranda: | ||
| Average total assets | $365,125,330 | 1,807 |
| Average earning assets | $319,943,000 | 1,870 |
| Average equity | $39,299,000 | 1,767 |
| Average total loans | $239,124,330 | 1,726 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 5,378 |
| Cost of funding earning assets | 0.7281% | 4,043 |
| Net interest margin | 3.3933% | 5,146 |
| Noninterest income to average assets | 0.2956% | 5,504 |
| Noninterest expense to average assets | 2.7302% | 4,313 |
| Loan and lease loss provision to assets | 0.1087% | 3,995 |
| Net operating income to assets | 0.3774% | 5,358 |
| Return on assets (ROA) | 0.3674% | 5,577 |
| Pretax return on assets | 0.3989% | 5,731 |
| Return on Equity (ROE) | 3.4559% | 5,530 |
| Retained earnings to average equity (ytd only) | 1.4212% | 5,525 |
| Net charge-offs to loans | -0.0780% | 6,709 |
| Credit loss provision to net charge-offs | -212.7660% | 5,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0415% | 1,679 |
| Assets per employee ($millions) | 3.8028% | 4,412 |
| Cash dividends to net income (ytd only)* | 58.8757% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5358% | 1,305 |
| Loan loss allowance to noncurrent loans | 55.1909% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 3.8360% | 1,456 |
| Noncurrent loans to loans | 4.5946% | 1,248 |
| Net loans and leases to total assets | 64.5907% | 2,743 |
| Net loans and leases to deposits | 72.8248% | 3,292 |
| Net loans and leases to core deposits | 82.6499% | 2,741 |
| Total domestic deposits to total assets | 88.6933% | 1,890 |
| Equity capital to assets | 10.9192% | 3,008 |
| Core capital (leverage) ratio | 10.9257% | 2,320 |
| Tier 1 risk-based capital ratio | 15.2422% | 3,594 |
| Total risk-based capital ratio | 16.5059% | 3,551 |
| Memoranda: | ||
| Average total assets | $368,038,000 | 1,801 |
| Average earning assets | $320,278,500 | 1,878 |
| Average equity | $39,121,500 | 1,772 |
| Average total loans | $241,159,500 | 1,713 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 4,580 |
| Cost of funding earning assets | 0.7780% | 5,016 |
| Net interest margin | 3.8443% | 3,600 |
| Noninterest income to average assets | 0.4767% | 4,016 |
| Noninterest expense to average assets | 2.7814% | 4,418 |
| Loan and lease loss provision to assets | 0.7872% | 1,259 |
| Net operating income to assets | 0.2880% | 5,297 |
| Return on assets (ROA) | 0.2841% | 5,466 |
| Pretax return on assets | 0.2791% | 5,612 |
| Return on Equity (ROE) | 2.7389% | 5,392 |
| Retained earnings to average equity (ytd only) | 1.5365% | 5,119 |
| Net charge-offs to loans | 0.6697% | 2,482 |
| Credit loss provision to net charge-offs | 168.3462% | 1,602 |
| Earnings coverage of net charge-offs (x) | 2.2887% | 4,078 |
| Efficiency ratio | 72.2150% | 3,528 |
| Assets per employee ($millions) | 3.8640% | 4,172 |
| Cash dividends to net income (ytd only)* | 43.9024% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4388% | 1,398 |
| Loan loss allowance to noncurrent loans | 59.4839% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 3.3814% | 1,753 |
| Noncurrent loans to loans | 4.1000% | 1,514 |
| Net loans and leases to total assets | 63.2266% | 3,347 |
| Net loans and leases to deposits | 70.9138% | 3,963 |
| Net loans and leases to core deposits | 80.3383% | 3,413 |
| Total domestic deposits to total assets | 89.1599% | 1,445 |
| Equity capital to assets | 10.3508% | 3,708 |
| Core capital (leverage) ratio | 10.8623% | 2,382 |
| Tier 1 risk-based capital ratio | 14.6924% | 3,834 |
| Total risk-based capital ratio | 15.9550% | 3,805 |
| Memoranda: | ||
| Average total assets | $360,793,600 | 1,799 |
| Average earning assets | $316,728,000 | 1,860 |
| Average equity | $37,423,600 | 1,793 |
| Average total loans | $251,908,000 | 1,662 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7032% | 4,446 |
| Cost of funding earning assets | 0.7923% | 5,193 |
| Net interest margin | 3.9108% | 3,334 |
| Noninterest income to average assets | 0.4986% | 3,880 |
| Noninterest expense to average assets | 2.8499% | 4,144 |
| Loan and lease loss provision to assets | 0.9479% | 931 |
| Net operating income to assets | 0.1552% | 5,817 |
| Return on assets (ROA) | 0.1500% | 5,954 |
| Pretax return on assets | 0.1474% | 6,007 |
| Return on Equity (ROE) | 1.4455% | 5,958 |
| Retained earnings to average equity (ytd only) | -0.1726% | 6,003 |
| Net charge-offs to loans | 0.7706% | 2,022 |
| Credit loss provision to net charge-offs | 172.9067% | 1,732 |
| Earnings coverage of net charge-offs (x) | 2.0075% | 4,140 |
| Efficiency ratio | 72.1425% | 3,526 |
| Assets per employee ($millions) | 3.6596% | 4,613 |
| Cash dividends to net income (ytd only)* | 111.9405% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3197% | 1,657 |
| Loan loss allowance to noncurrent loans | 58.5312% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 3.7183% | 1,680 |
| Noncurrent loans to loans | 3.9632% | 1,672 |
| Net loans and leases to total assets | 70.7592% | 1,935 |
| Net loans and leases to deposits | 80.0250% | 2,648 |
| Net loans and leases to core deposits | 91.1874% | 2,089 |
| Total domestic deposits to total assets | 88.4214% | 1,796 |
| Equity capital to assets | 10.9985% | 3,149 |
| Core capital (leverage) ratio | 10.9750% | 2,409 |
| Tier 1 risk-based capital ratio | 14.1897% | 4,211 |
| Total risk-based capital ratio | 15.4512% | 4,169 |
| Memoranda: | ||
| Average total assets | $357,289,000 | 1,819 |
| Average earning assets | $315,355,000 | 1,879 |
| Average equity | $37,080,500 | 1,820 |
| Average total loans | $254,158,750 | 1,661 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 4,586 |
| Cost of funding earning assets | 0.7938% | 5,417 |
| Net interest margin | 3.8936% | 3,344 |
| Noninterest income to average assets | 0.4361% | 4,376 |
| Noninterest expense to average assets | 2.9753% | 3,734 |
| Loan and lease loss provision to assets | 0.7989% | 1,152 |
| Net operating income to assets | 0.1132% | 5,980 |
| Return on assets (ROA) | 0.1054% | 6,083 |
| Pretax return on assets | 0.0993% | 6,104 |
| Return on Equity (ROE) | 1.0356% | 6,077 |
| Retained earnings to average equity (ytd only) | -1.4171% | 6,140 |
| Net charge-offs to loans | 0.3075% | 3,336 |
| Credit loss provision to net charge-offs | 367.3469% | 832 |
| Earnings coverage of net charge-offs (x) | 4.1658% | 2,944 |
| Efficiency ratio | 76.6581% | 2,909 |
| Assets per employee ($millions) | 3.5978% | 4,689 |
| Cash dividends to net income (ytd only)* | 236.8421% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2682% | 1,795 |
| Loan loss allowance to noncurrent loans | 56.6547% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 3.5192% | 1,867 |
| Noncurrent loans to loans | 4.0036% | 1,729 |
| Net loans and leases to total assets | 72.5924% | 1,665 |
| Net loans and leases to deposits | 83.4077% | 2,201 |
| Net loans and leases to core deposits | 95.0634% | 1,784 |
| Total domestic deposits to total assets | 87.0332% | 2,722 |
| Equity capital to assets | 10.9960% | 2,960 |
| Core capital (leverage) ratio | 10.8009% | 2,419 |
| Tier 1 risk-based capital ratio | 14.0223% | 4,158 |
| Total risk-based capital ratio | 15.2837% | 4,119 |
| Memoranda: | ||
| Average total assets | $360,499,330 | 1,823 |
| Average earning assets | $318,984,670 | 1,869 |
| Average equity | $36,695,000 | 1,823 |
| Average total loans | $254,931,000 | 1,683 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6454% | 4,756 |
| Cost of funding earning assets | 0.7859% | 5,633 |
| Net interest margin | 3.8595% | 3,339 |
| Noninterest income to average assets | 0.3499% | 5,104 |
| Noninterest expense to average assets | 2.9311% | 3,939 |
| Loan and lease loss provision to assets | 0.2282% | 3,374 |
| Net operating income to assets | 0.5707% | 4,176 |
| Return on assets (ROA) | 0.5564% | 4,333 |
| Pretax return on assets | 0.5912% | 4,719 |
| Return on Equity (ROE) | 5.6805% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.6805% | 2,808 |
| Net charge-offs to loans | 0.1228% | 3,794 |
| Credit loss provision to net charge-offs | 269.2308% | 1,164 |
| Earnings coverage of net charge-offs (x) | 9.8462% | 1,684 |
| Efficiency ratio | 77.8355% | 2,868 |
| Assets per employee ($millions) | 3.8074% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9108% | 2,653 |
| Loan loss allowance to noncurrent loans | 91.2016% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.8457% | 3,503 |
| Noncurrent loans to loans | 2.0952% | 3,449 |
| Net loans and leases to total assets | 69.5836% | 2,203 |
| Net loans and leases to deposits | 78.6278% | 2,953 |
| Net loans and leases to core deposits | 93.2125% | 1,985 |
| Total domestic deposits to total assets | 88.4975% | 2,076 |
| Equity capital to assets | 10.0549% | 3,703 |
| Core capital (leverage) ratio | 9.9743% | 3,169 |
| Tier 1 risk-based capital ratio | 13.4791% | 4,433 |
| Total risk-based capital ratio | 14.7362% | 4,407 |
| Memoranda: | ||
| Average total assets | $368,054,500 | 1,791 |
| Average earning assets | $325,738,500 | 1,840 |
| Average equity | $36,053,000 | 1,832 |
| Average total loans | $254,124,000 | 1,706 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8143% | 5,365 |
| Cost of funding earning assets | 1.0463% | 5,452 |
| Net interest margin | 3.7680% | 4,073 |
| Noninterest income to average assets | 0.2564% | 5,968 |
| Noninterest expense to average assets | 2.8819% | 4,308 |
| Loan and lease loss provision to assets | 0.4799% | 3,256 |
| Net operating income to assets | 0.2395% | 5,141 |
| Return on assets (ROA) | 0.1667% | 5,542 |
| Pretax return on assets | 0.1784% | 5,530 |
| Return on Equity (ROE) | 1.7587% | 5,479 |
| Retained earnings to average equity (ytd only) | -0.1540% | 5,634 |
| Net charge-offs to loans | 0.5315% | 3,495 |
| Credit loss provision to net charge-offs | 128.0453% | 3,138 |
| Earnings coverage of net charge-offs (x) | 1.9653% | 4,259 |
| Efficiency ratio | 72.3078% | 3,732 |
| Assets per employee ($millions) | 3.9411% | 3,910 |
| Cash dividends to net income (ytd only)* | 108.7580% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8958% | 2,578 |
| Loan loss allowance to noncurrent loans | 89.0278% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.7708% | 3,656 |
| Noncurrent loans to loans | 2.1295% | 3,397 |
| Net loans and leases to total assets | 65.9413% | 3,478 |
| Net loans and leases to deposits | 74.2056% | 4,163 |
| Net loans and leases to core deposits | 87.8339% | 3,073 |
| Total domestic deposits to total assets | 88.8629% | 1,736 |
| Equity capital to assets | 9.5450% | 4,346 |
| Core capital (leverage) ratio | 9.3954% | 3,851 |
| Tier 1 risk-based capital ratio | 13.6049% | 4,129 |
| Total risk-based capital ratio | 14.8619% | 4,093 |
| Memoranda: | ||
| Average total assets | $376,729,600 | 1,750 |
| Average earning assets | $336,147,400 | 1,773 |
| Average equity | $35,708,600 | 1,852 |
| Average total loans | $265,659,600 | 1,674 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8362% | 5,524 |
| Cost of funding earning assets | 1.0905% | 5,483 |
| Net interest margin | 3.7457% | 4,205 |
| Noninterest income to average assets | 0.0682% | 7,193 |
| Noninterest expense to average assets | 2.6089% | 5,288 |
| Loan and lease loss provision to assets | 0.5647% | 2,683 |
| Net operating income to assets | 0.2590% | 5,317 |
| Return on assets (ROA) | 0.1548% | 5,785 |
| Pretax return on assets | 0.1477% | 5,838 |
| Return on Equity (ROE) | 1.6358% | 5,723 |
| Retained earnings to average equity (ytd only) | -0.9150% | 5,998 |
| Net charge-offs to loans | 0.3785% | 3,786 |
| Credit loss provision to net charge-offs | 209.1623% | 1,683 |
| Earnings coverage of net charge-offs (x) | 3.0249% | 3,620 |
| Efficiency ratio | 76.1605% | 2,920 |
| Assets per employee ($millions) | 3.9265% | 3,983 |
| Cash dividends to net income (ytd only)* | 155.9342% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9621% | 2,315 |
| Loan loss allowance to noncurrent loans | 95.7361% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.9411% | 3,550 |
| Noncurrent loans to loans | 2.0495% | 3,619 |
| Net loans and leases to total assets | 69.0488% | 2,971 |
| Net loans and leases to deposits | 78.0216% | 3,822 |
| Net loans and leases to core deposits | 99.4593% | 1,897 |
| Total domestic deposits to total assets | 88.4996% | 1,673 |
| Equity capital to assets | 9.5738% | 4,738 |
| Core capital (leverage) ratio | 9.3124% | 4,191 |
| Tier 1 risk-based capital ratio | 12.6035% | 4,886 |
| Total risk-based capital ratio | 13.8615% | 4,861 |
| Memoranda: | ||
| Average total assets | $377,310,500 | 1,768 |
| Average earning assets | $338,193,250 | 1,792 |
| Average equity | $35,701,500 | 1,877 |
| Average total loans | $269,159,750 | 1,671 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8653% | 5,557 |
| Cost of funding earning assets | 1.1324% | 5,500 |
| Net interest margin | 3.7328% | 4,220 |
| Noninterest income to average assets | 0.3169% | 5,624 |
| Noninterest expense to average assets | 2.6829% | 4,981 |
| Loan and lease loss provision to assets | 0.6242% | 2,297 |
| Net operating income to assets | 0.3409% | 5,016 |
| Return on assets (ROA) | 0.2241% | 5,616 |
| Pretax return on assets | 0.2353% | 5,690 |
| Return on Equity (ROE) | 2.3782% | 5,511 |
| Retained earnings to average equity (ytd only) | -0.2080% | 5,772 |
| Net charge-offs to loans | 0.3151% | 3,744 |
| Credit loss provision to net charge-offs | 276.5258% | 1,347 |
| Earnings coverage of net charge-offs (x) | 4.3521% | 2,978 |
| Efficiency ratio | 73.1965% | 3,624 |
| Assets per employee ($millions) | 3.8981% | 3,981 |
| Cash dividends to net income (ytd only)* | 108.7470% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9135% | 2,380 |
| Loan loss allowance to noncurrent loans | 93.2182% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 2.1245% | 3,344 |
| Noncurrent loans to loans | 2.0528% | 3,650 |
| Net loans and leases to total assets | 70.2288% | 2,849 |
| Net loans and leases to deposits | 79.4021% | 3,714 |
| Net loans and leases to core deposits | 102.7634% | 1,758 |
| Total domestic deposits to total assets | 88.4470% | 1,762 |
| Equity capital to assets | 9.6795% | 4,428 |
| Core capital (leverage) ratio | 9.3226% | 4,076 |
| Tier 1 risk-based capital ratio | 12.4113% | 4,934 |
| Total risk-based capital ratio | 13.6682% | 4,907 |
| Memoranda: | ||
| Average total assets | $377,432,330 | 1,778 |
| Average earning assets | $338,563,670 | 1,809 |
| Average equity | $35,572,670 | 1,879 |
| Average total loans | $270,384,670 | 1,686 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8945% | 5,484 |
| Cost of funding earning assets | 1.1557% | 5,628 |
| Net interest margin | 3.7388% | 4,056 |
| Noninterest income to average assets | 0.3356% | 5,455 |
| Noninterest expense to average assets | 2.7934% | 4,503 |
| Loan and lease loss provision to assets | 0.7735% | 1,636 |
| Net operating income to assets | 0.1045% | 6,015 |
| Return on assets (ROA) | -0.1330% | 6,545 |
| Pretax return on assets | -0.1372% | 6,495 |
| Return on Equity (ROE) | -1.4299% | 6,569 |
| Retained earnings to average equity (ytd only) | -3.2796% | 6,402 |
| Net charge-offs to loans | 0.2238% | 3,588 |
| Credit loss provision to net charge-offs | 482.2368% | 878 |
| Earnings coverage of net charge-offs (x) | 5.4934% | 2,390 |
| Efficiency ratio | 76.0195% | 3,210 |
| Assets per employee ($millions) | 4.0448% | 3,767 |
| Cash dividends to net income (ytd only)* | -129.3651% | 7,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8322% | 2,631 |
| Loan loss allowance to noncurrent loans | 117.5243% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 1.8244% | 3,748 |
| Noncurrent loans to loans | 1.5590% | 4,404 |
| Net loans and leases to total assets | 71.3576% | 2,599 |
| Net loans and leases to deposits | 80.3121% | 3,602 |
| Net loans and leases to core deposits | 107.2062% | 1,479 |
| Total domestic deposits to total assets | 88.8503% | 1,597 |
| Equity capital to assets | 9.6266% | 4,336 |
| Core capital (leverage) ratio | 9.3824% | 3,931 |
| Tier 1 risk-based capital ratio | 11.9829% | 5,210 |
| Total risk-based capital ratio | 13.2409% | 5,165 |
| Memoranda: | ||
| Average total assets | $379,041,500 | 1,812 |
| Average earning assets | $338,505,500 | 1,844 |
| Average equity | $35,248,000 | 1,910 |
| Average total loans | $271,610,500 | 1,730 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3073% | 5,142 |
| Cost of funding earning assets | 1.2415% | 6,501 |
| Net interest margin | 4.0658% | 2,587 |
| Noninterest income to average assets | 0.3396% | 5,659 |
| Noninterest expense to average assets | 2.8179% | 4,894 |
| Loan and lease loss provision to assets | 0.5617% | 3,565 |
| Net operating income to assets | 0.6065% | 3,304 |
| Return on assets (ROA) | 0.4640% | 3,996 |
| Pretax return on assets | 0.4824% | 4,241 |
| Return on Equity (ROE) | 5.7093% | 3,331 |
| Retained earnings to average equity (ytd only) | 2.8133% | 3,197 |
| Net charge-offs to loans | 0.5546% | 3,562 |
| Credit loss provision to net charge-offs | 133.9345% | 3,722 |
| Earnings coverage of net charge-offs (x) | 2.8437% | 3,667 |
| Efficiency ratio | 70.2620% | 4,570 |
| Assets per employee ($millions) | 4.1952% | 3,450 |
| Cash dividends to net income (ytd only)* | 50.7246% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 3,267 |
| Loan loss allowance to noncurrent loans | 201.0570% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 1.0916% | 4,909 |
| Noncurrent loans to loans | 0.7979% | 5,689 |
| Net loans and leases to total assets | 69.5285% | 3,356 |
| Net loans and leases to deposits | 77.3330% | 4,497 |
| Net loans and leases to core deposits | 119.1719% | 2,014 |
| Total domestic deposits to total assets | 89.9079% | 1,009 |
| Equity capital to assets | 8.9836% | 5,173 |
| Core capital (leverage) ratio | 9.5273% | 3,687 |
| Tier 1 risk-based capital ratio | 11.3102% | 5,606 |
| Total risk-based capital ratio | 12.5624% | 5,547 |
| Memoranda: | ||
| Average total assets | $356,931,200 | 1,902 |
| Average earning assets | $322,270,200 | 1,930 |
| Average equity | $29,005,400 | 2,300 |
| Average total loans | $269,926,600 | 1,780 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3480% | 5,183 |
| Cost of funding earning assets | 1.2788% | 6,627 |
| Net interest margin | 4.0692% | 2,513 |
| Noninterest income to average assets | 0.3447% | 5,742 |
| Noninterest expense to average assets | 2.8601% | 4,617 |
| Loan and lease loss provision to assets | 0.3813% | 4,040 |
| Net operating income to assets | 0.7653% | 2,962 |
| Return on assets (ROA) | 0.6566% | 3,434 |
| Pretax return on assets | 0.6882% | 3,897 |
| Return on Equity (ROE) | 8.3221% | 2,509 |
| Retained earnings to average equity (ytd only) | 4.2625% | 2,891 |
| Net charge-offs to loans | 0.1793% | 4,956 |
| Credit loss provision to net charge-offs | 276.2431% | 1,527 |
| Earnings coverage of net charge-offs (x) | 8.5774% | 2,223 |
| Efficiency ratio | 70.7241% | 4,464 |
| Assets per employee ($millions) | 3.8791% | 3,996 |
| Cash dividends to net income (ytd only)* | 48.7805% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6050% | 2,969 |
| Loan loss allowance to noncurrent loans | 85.4514% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.7577% | 3,724 |
| Noncurrent loans to loans | 1.8783% | 3,799 |
| Net loans and leases to total assets | 77.3855% | 1,703 |
| Net loans and leases to deposits | 85.6467% | 3,389 |
| Net loans and leases to core deposits | 138.3461% | 997 |
| Total domestic deposits to total assets | 90.3544% | 640 |
| Equity capital to assets | 8.0865% | 6,760 |
| Core capital (leverage) ratio | 8.2429% | 5,935 |
| Tier 1 risk-based capital ratio | 9.5719% | 7,326 |
| Total risk-based capital ratio | 10.8249% | 7,281 |
| Memoranda: | ||
| Average total assets | $349,674,750 | 1,955 |
| Average earning assets | $317,894,250 | 1,981 |
| Average equity | $27,588,500 | 2,426 |
| Average total loans | $269,227,000 | 1,802 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2912% | 5,691 |
| Cost of funding earning assets | 1.3132% | 6,759 |
| Net interest margin | 3.9780% | 2,801 |
| Noninterest income to average assets | 0.3444% | 5,750 |
| Noninterest expense to average assets | 2.8554% | 4,705 |
| Loan and lease loss provision to assets | 0.2419% | 4,649 |
| Net operating income to assets | 0.8115% | 2,811 |
| Return on assets (ROA) | 0.8115% | 2,906 |
| Pretax return on assets | 0.8708% | 3,442 |
| Return on Equity (ROE) | 10.3736% | 1,893 |
| Retained earnings to average equity (ytd only) | 4.3659% | 2,871 |
| Net charge-offs to loans | 0.0738% | 5,471 |
| Credit loss provision to net charge-offs | 428.5714% | 1,077 |
| Earnings coverage of net charge-offs (x) | 19.7143% | 1,352 |
| Efficiency ratio | 71.9594% | 4,420 |
| Assets per employee ($millions) | 3.7011% | 4,326 |
| Cash dividends to net income (ytd only)* | 57.9134% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 2,947 |
| Loan loss allowance to noncurrent loans | 76.0254% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.8518% | 3,397 |
| Noncurrent loans to loans | 2.0407% | 3,461 |
| Net loans and leases to total assets | 75.6017% | 2,285 |
| Net loans and leases to deposits | 83.3915% | 3,981 |
| Net loans and leases to core deposits | 138.5790% | 1,077 |
| Total domestic deposits to total assets | 90.6588% | 572 |
| Equity capital to assets | 7.8384% | 6,931 |
| Core capital (leverage) ratio | 8.1949% | 5,990 |
| Tier 1 risk-based capital ratio | 9.7997% | 7,137 |
| Total risk-based capital ratio | 11.0518% | 7,080 |
| Memoranda: | ||
| Average total assets | $347,273,670 | 1,992 |
| Average earning assets | $316,337,670 | 2,013 |
| Average equity | $27,165,000 | 2,461 |
| Average total loans | $265,410,330 | 1,859 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3966% | 5,442 |
| Cost of funding earning assets | 1.3212% | 6,957 |
| Net interest margin | 4.0754% | 2,377 |
| Noninterest income to average assets | 0.3616% | 5,548 |
| Noninterest expense to average assets | 2.6670% | 5,160 |
| Loan and lease loss provision to assets | 0.2318% | 4,132 |
| Net operating income to assets | 1.1081% | 1,937 |
| Return on assets (ROA) | 1.1081% | 2,063 |
| Pretax return on assets | 1.1846% | 2,674 |
| Return on Equity (ROE) | 14.1800% | 1,132 |
| Retained earnings to average equity (ytd only) | 9.5522% | 1,321 |
| Net charge-offs to loans | 0.0912% | 4,260 |
| Credit loss provision to net charge-offs | 333.3333% | 1,485 |
| Earnings coverage of net charge-offs (x) | 20.3667% | 1,376 |
| Efficiency ratio | 65.3137% | 5,446 |
| Assets per employee ($millions) | 3.7883% | 4,120 |
| Cash dividends to net income (ytd only)* | 32.6360% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 2,961 |
| Loan loss allowance to noncurrent loans | 46.0469% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 2.7541% | 2,059 |
| Noncurrent loans to loans | 3.2676% | 1,972 |
| Net loans and leases to total assets | 74.4524% | 2,637 |
| Net loans and leases to deposits | 82.1212% | 4,262 |
| Net loans and leases to core deposits | 135.4554% | 1,338 |
| Total domestic deposits to total assets | 90.6617% | 534 |
| Equity capital to assets | 7.6739% | 7,201 |
| Core capital (leverage) ratio | 8.4248% | 5,670 |
| Tier 1 risk-based capital ratio | 10.1297% | 6,774 |
| Total risk-based capital ratio | 11.3816% | 6,690 |
| Memoranda: | ||
| Average total assets | $345,109,000 | 2,012 |
| Average earning assets | $315,158,500 | 2,030 |
| Average equity | $26,967,500 | 2,493 |
| Average total loans | $263,112,000 | 1,884 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4231% | 7,431 |
| Cost of funding earning assets | 1.8888% | 6,758 |
| Net interest margin | 3.5343% | 5,171 |
| Noninterest income to average assets | 0.3046% | 6,272 |
| Noninterest expense to average assets | 2.3780% | 6,476 |
| Loan and lease loss provision to assets | 0.3527% | 3,574 |
| Net operating income to assets | 0.8050% | 3,416 |
| Return on assets (ROA) | 0.8055% | 3,254 |
| Pretax return on assets | 0.8242% | 3,981 |
| Return on Equity (ROE) | 10.7596% | 1,977 |
| Retained earnings to average equity (ytd only) | 6.6907% | 1,266 |
| Net charge-offs to loans | 0.3204% | 3,259 |
| Credit loss provision to net charge-offs | 168.7013% | 3,049 |
| Earnings coverage of net charge-offs (x) | 5.6273% | 3,578 |
| Efficiency ratio | 66.9035% | 4,923 |
| Assets per employee ($millions) | 3.5569% | 4,532 |
| Cash dividends to net income (ytd only)* | 37.8160% | 3,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 2,753 |
| Loan loss allowance to noncurrent loans | 64.4071% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 2.0731% | 2,376 |
| Noncurrent loans to loans | 2.3100% | 2,395 |
| Net loans and leases to total assets | 75.7741% | 2,684 |
| Net loans and leases to deposits | 83.2361% | 4,536 |
| Net loans and leases to core deposits | 125.4396% | 2,212 |
| Total domestic deposits to total assets | 91.0351% | 317 |
| Equity capital to assets | 7.9605% | 6,896 |
| Core capital (leverage) ratio | 7.7957% | 6,808 |
| Tier 1 risk-based capital ratio | 10.0964% | 6,626 |
| Total risk-based capital ratio | 11.3481% | 6,498 |
| Memoranda: | ||
| Average total assets | $368,342,400 | 1,825 |
| Average earning assets | $338,679,000 | 1,817 |
| Average equity | $27,575,400 | 2,429 |
| Average total loans | $240,319,600 | 1,965 |