Home > Mission National Bank > Performance and Condition Ratios
Mission National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9329% | 2,213 |
| Cost of funding earning assets | 1.4383% | 2,113 |
| Net interest margin | 3.4946% | 2,194 |
| Noninterest income to average assets | 2.0500% | 261 |
| Noninterest expense to average assets | 4.3355% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6717% | 3,260 |
| Return on assets (ROA) | 0.6717% | 3,243 |
| Pretax return on assets | 0.9358% | 2,858 |
| Return on Equity (ROE) | 3.3300% | 3,973 |
| Retained earnings to average equity (ytd only) | 3.3306% | 3,187 |
| Net charge-offs to loans | -0.0022% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.2480% | 763 |
| Assets per employee ($millions) | 5.1615% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 962 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 71.5300% | 1,636 |
| Net loans and leases to deposits | 94.6024% | 898 |
| Net loans and leases to core deposits | 140.5608% | 275 |
| Total domestic deposits to total assets | 75.6100% | 3,977 |
| Equity capital to assets | 19.2974% | 304 |
| Core capital (leverage) ratio | 20.4400% | 258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $188,189,600 | 3,065 |
| Average earning assets | $173,469,200 | 3,064 |
| Average equity | $37,951,200 | 1,942 |
| Average total loans | $138,869,400 | 2,783 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8358% | 2,193 |
| Cost of funding earning assets | 1.2870% | 2,183 |
| Net interest margin | 3.5488% | 2,109 |
| Noninterest income to average assets | 2.3200% | 249 |
| Noninterest expense to average assets | 4.4113% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8422% | 2,888 |
| Return on assets (ROA) | 0.8422% | 2,872 |
| Pretax return on assets | 1.1681% | 2,368 |
| Return on Equity (ROE) | 4.1300% | 3,959 |
| Retained earnings to average equity (ytd only) | 4.1277% | 3,225 |
| Net charge-offs to loans | -0.0019% | 3,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.0644% | 921 |
| Assets per employee ($millions) | 4.7310% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 900 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 73.5300% | 1,402 |
| Net loans and leases to deposits | 99.1344% | 557 |
| Net loans and leases to core deposits | 139.6063% | 224 |
| Total domestic deposits to total assets | 74.1700% | 4,151 |
| Equity capital to assets | 20.4756% | 273 |
| Core capital (leverage) ratio | 21.2671% | 227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $184,912,750 | 3,094 |
| Average earning assets | $170,004,250 | 3,099 |
| Average equity | $37,727,750 | 1,943 |
| Average total loans | $137,028,500 | 2,806 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8732% | 1,827 |
| Cost of funding earning assets | 1.2117% | 1,948 |
| Net interest margin | 3.6615% | 1,895 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 4.3985% | 283 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.3804% | 4,554 |
| Return on assets (ROA) | -0.3804% | 4,546 |
| Pretax return on assets | -0.5919% | 4,561 |
| Return on Equity (ROE) | -1.8700% | 4,494 |
| Retained earnings to average equity (ytd only) | -1.8669% | 4,284 |
| Net charge-offs to loans | -0.0015% | 3,492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 115.5498% | 79 |
| Assets per employee ($millions) | 4.4404% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7028% | 745 |
| Loan loss allowance to noncurrent loans | 225,000.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 3,906 |
| Noncurrent loans to loans | 0.0008% | 3,837 |
| Net loans and leases to total assets | 73.1300% | 1,394 |
| Net loans and leases to deposits | 101.2148% | 466 |
| Net loans and leases to core deposits | 145.0323% | 171 |
| Total domestic deposits to total assets | 72.2500% | 4,285 |
| Equity capital to assets | 20.9614% | 255 |
| Core capital (leverage) ratio | 20.1059% | 264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $183,470,333 | 3,110 |
| Average earning assets | $167,527,333 | 3,128 |
| Average equity | $37,387,667 | 1,963 |
| Average total loans | $135,572,000 | 2,818 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6893% | 1,879 |
| Cost of funding earning assets | 1.1250% | 1,680 |
| Net interest margin | 3.5643% | 2,212 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 4.4057% | 289 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.4893% | 4,587 |
| Return on assets (ROA) | -0.4893% | 4,576 |
| Pretax return on assets | -0.7189% | 4,584 |
| Return on Equity (ROE) | -2.4300% | 4,515 |
| Retained earnings to average equity (ytd only) | -2.4342% | 4,226 |
| Net charge-offs to loans | -0.0029% | 3,509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 119.4994% | 72 |
| Assets per employee ($millions) | 4.6605% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6278% | 957 |
| Loan loss allowance to noncurrent loans | 197.0228% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 826 |
| Noncurrent loans to loans | 0.8262% | 926 |
| Net loans and leases to total assets | 72.9400% | 1,324 |
| Net loans and leases to deposits | 99.1657% | 479 |
| Net loans and leases to core deposits | 141.0255% | 177 |
| Total domestic deposits to total assets | 73.5500% | 4,307 |
| Equity capital to assets | 20.0365% | 232 |
| Core capital (leverage) ratio | 19.7745% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $186,397,000 | 3,128 |
| Average earning assets | $168,896,000 | 3,159 |
| Average equity | $37,466,000 | 1,984 |
| Average total loans | $137,289,000 | 2,824 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8461% | 2,153 |
| Cost of funding earning assets | 0.2447% | 3,366 |
| Net interest margin | 3.6014% | 1,642 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 4.3228% | 272 |
| Loan and lease loss provision to assets | -0.3200% | 4,671 |
| Net operating income to assets | -0.1107% | 4,593 |
| Return on assets (ROA) | -0.1107% | 4,582 |
| Pretax return on assets | -0.2081% | 4,594 |
| Return on Equity (ROE) | -0.6000% | 4,562 |
| Retained earnings to average equity (ytd only) | -0.5989% | 4,409 |
| Net charge-offs to loans | 0.0099% | 2,005 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,708 |
| Earnings coverage of net charge-offs (x) | -82.5385% | 4,717 |
| Efficiency ratio | 113.9098% | 76 |
| Assets per employee ($millions) | 4.4375% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6494% | 883 |
| Loan loss allowance to noncurrent loans | 195.5652% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 805 |
| Noncurrent loans to loans | 0.8434% | 887 |
| Net loans and leases to total assets | 71.9500% | 1,422 |
| Net loans and leases to deposits | 101.7435% | 372 |
| Net loans and leases to core deposits | 130.3218% | 221 |
| Total domestic deposits to total assets | 70.7200% | 4,457 |
| Equity capital to assets | 20.1638% | 223 |
| Core capital (leverage) ratio | 19.8925% | 258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $203,273,000 | 3,031 |
| Average earning assets | $183,512,200 | 3,046 |
| Average equity | $37,569,200 | 2,015 |
| Average total loans | $131,916,000 | 2,806 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 2,203 |
| Cost of funding earning assets | 0.1616% | 3,719 |
| Net interest margin | 3.4860% | 1,700 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 4.2762% | 275 |
| Loan and lease loss provision to assets | -0.3200% | 4,711 |
| Net operating income to assets | -0.1966% | 4,646 |
| Return on assets (ROA) | -0.1966% | 4,625 |
| Pretax return on assets | -0.2538% | 4,624 |
| Return on Equity (ROE) | -1.0900% | 4,592 |
| Retained earnings to average equity (ytd only) | -1.0860% | 4,429 |
| Net charge-offs to loans | -0.0020% | 3,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 115.5382% | 81 |
| Assets per employee ($millions) | 4.6373% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 693 |
| Loan loss allowance to noncurrent loans | 208.4629% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 875 |
| Noncurrent loans to loans | 0.8762% | 898 |
| Net loans and leases to total assets | 68.2400% | 1,650 |
| Net loans and leases to deposits | 86.2560% | 1,154 |
| Net loans and leases to core deposits | 113.2162% | 383 |
| Total domestic deposits to total assets | 79.1100% | 4,170 |
| Equity capital to assets | 19.7227% | 225 |
| Core capital (leverage) ratio | 18.5003% | 296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $207,497,750 | 3,017 |
| Average earning assets | $187,260,500 | 3,038 |
| Average equity | $37,566,500 | 2,043 |
| Average total loans | $130,806,500 | 2,819 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4415% | 2,321 |
| Cost of funding earning assets | 0.1324% | 3,812 |
| Net interest margin | 3.3091% | 1,881 |
| Noninterest income to average assets | 0.5701% | 1,864 |
| Noninterest expense to average assets | 4.2065% | 248 |
| Loan and lease loss provision to assets | -0.2344% | 4,702 |
| Net operating income to assets | -0.3226% | 4,659 |
| Return on assets (ROA) | -0.3226% | 4,635 |
| Pretax return on assets | -0.4248% | 4,638 |
| Return on Equity (ROE) | -1.8303% | 4,609 |
| Retained earnings to average equity (ytd only) | -1.8303% | 4,368 |
| Net charge-offs to loans | -0.0015% | 3,083 |
| Credit loss provision to net charge-offs | 25,000.0000% | 19 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.5831% | 81 |
| Assets per employee ($millions) | 5.3983% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9790% | 577 |
| Loan loss allowance to noncurrent loans | 266,300.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,082 |
| Noncurrent loans to loans | 0.0007% | 4,013 |
| Net loans and leases to total assets | 64.2983% | 1,874 |
| Net loans and leases to deposits | 79.6107% | 1,412 |
| Net loans and leases to core deposits | 102.3250% | 576 |
| Total domestic deposits to total assets | 80.7659% | 4,162 |
| Equity capital to assets | 18.2615% | 215 |
| Core capital (leverage) ratio | 17.7949% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,286,667 | 3,005 |
| Average earning assets | $191,892,667 | 3,048 |
| Average equity | $37,589,000 | 2,093 |
| Average total loans | $130,354,667 | 2,834 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0965% | 2,989 |
| Cost of funding earning assets | 0.1021% | 4,107 |
| Net interest margin | 2.9944% | 2,519 |
| Noninterest income to average assets | 0.6330% | 1,559 |
| Noninterest expense to average assets | 4.1553% | 249 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.5594% | 4,709 |
| Return on assets (ROA) | -0.5594% | 4,699 |
| Pretax return on assets | -0.8226% | 4,717 |
| Return on Equity (ROE) | -3.2295% | 4,666 |
| Retained earnings to average equity (ytd only) | -3.2295% | 4,326 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.6825% | 73 |
| Assets per employee ($millions) | 5.3447% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3144% | 365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.4915% | 2,355 |
| Net loans and leases to deposits | 70.4933% | 1,919 |
| Net loans and leases to core deposits | 89.7632% | 935 |
| Total domestic deposits to total assets | 81.5560% | 4,141 |
| Equity capital to assets | 17.5412% | 247 |
| Core capital (leverage) ratio | 17.3985% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,362,000 | 2,985 |
| Average earning assets | $195,963,000 | 3,033 |
| Average equity | $37,653,000 | 2,145 |
| Average total loans | $128,251,000 | 2,869 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5056% | 2,645 |
| Cost of funding earning assets | 0.1412% | 4,054 |
| Net interest margin | 3.3645% | 2,130 |
| Noninterest income to average assets | 1.5313% | 482 |
| Noninterest expense to average assets | 4.2821% | 239 |
| Loan and lease loss provision to assets | 0.1041% | 1,212 |
| Net operating income to assets | 0.0950% | 4,625 |
| Return on assets (ROA) | 0.0950% | 4,633 |
| Pretax return on assets | 0.1434% | 4,609 |
| Return on Equity (ROE) | 0.5642% | 4,650 |
| Retained earnings to average equity (ytd only) | 0.3385% | 4,407 |
| Net charge-offs to loans | 0.0260% | 1,724 |
| Credit loss provision to net charge-offs | 621.6216% | 707 |
| Earnings coverage of net charge-offs (x) | 14.7838% | 2,021 |
| Efficiency ratio | 94.5355% | 222 |
| Assets per employee ($millions) | 5.6586% | 3,113 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4579% | 298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 57.7596% | 2,397 |
| Net loans and leases to deposits | 70.3508% | 2,099 |
| Net loans and leases to core deposits | 92.0340% | 877 |
| Total domestic deposits to total assets | 82.1023% | 3,949 |
| Equity capital to assets | 17.0871% | 295 |
| Core capital (leverage) ratio | 16.8525% | 299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,991,800 | 2,895 |
| Average earning assets | $196,939,600 | 2,981 |
| Average equity | $37,223,800 | 2,187 |
| Average total loans | $142,071,600 | 2,706 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5620% | 2,657 |
| Cost of funding earning assets | 0.1501% | 4,105 |
| Net interest margin | 3.4120% | 2,122 |
| Noninterest income to average assets | 0.7328% | 1,719 |
| Noninterest expense to average assets | 4.3883% | 229 |
| Loan and lease loss provision to assets | 0.1389% | 818 |
| Net operating income to assets | -0.5313% | 4,830 |
| Return on assets (ROA) | -0.5313% | 4,839 |
| Pretax return on assets | -0.7774% | 4,848 |
| Return on Equity (ROE) | -3.1659% | 4,825 |
| Retained earnings to average equity (ytd only) | -3.3923% | 4,757 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.0339% | 82 |
| Assets per employee ($millions) | 5.5042% | 3,201 |
| Cash dividends to net income (ytd only)* | -7.1510% | 4,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3390% | 365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 61.6139% | 2,061 |
| Net loans and leases to deposits | 75.4828% | 1,717 |
| Net loans and leases to core deposits | 95.3859% | 773 |
| Total domestic deposits to total assets | 81.6263% | 3,994 |
| Equity capital to assets | 16.6414% | 362 |
| Core capital (leverage) ratio | 16.7931% | 326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,068,000 | 2,929 |
| Average earning assets | $195,463,750 | 3,028 |
| Average equity | $37,102,500 | 2,222 |
| Average total loans | $144,919,500 | 2,715 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6526% | 2,459 |
| Cost of funding earning assets | 0.1593% | 4,128 |
| Net interest margin | 3.4933% | 1,873 |
| Noninterest income to average assets | 0.7752% | 1,595 |
| Noninterest expense to average assets | 4.5074% | 218 |
| Loan and lease loss provision to assets | 0.2078% | 530 |
| Net operating income to assets | -0.5945% | 4,876 |
| Return on assets (ROA) | -0.5945% | 4,883 |
| Pretax return on assets | -0.8700% | 4,890 |
| Return on Equity (ROE) | -3.5322% | 4,862 |
| Retained earnings to average equity (ytd only) | -3.7577% | 4,748 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.2227% | 82 |
| Assets per employee ($millions) | 5.5305% | 3,094 |
| Cash dividends to net income (ytd only)* | -6.3830% | 4,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3747% | 322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 60.3788% | 2,380 |
| Net loans and leases to deposits | 73.3011% | 2,069 |
| Net loans and leases to core deposits | 92.5243% | 973 |
| Total domestic deposits to total assets | 82.3709% | 3,848 |
| Equity capital to assets | 16.6730% | 353 |
| Core capital (leverage) ratio | 16.6027% | 329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,368,000 | 2,932 |
| Average earning assets | $194,546,000 | 3,027 |
| Average equity | $37,257,000 | 2,200 |
| Average total loans | $146,925,000 | 2,716 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6607% | 2,471 |
| Cost of funding earning assets | 0.1782% | 4,095 |
| Net interest margin | 3.4824% | 1,871 |
| Noninterest income to average assets | 0.8074% | 1,565 |
| Noninterest expense to average assets | 4.5592% | 205 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.4660% | 4,883 |
| Return on assets (ROA) | -0.4660% | 4,886 |
| Pretax return on assets | -0.6810% | 4,905 |
| Return on Equity (ROE) | -2.7562% | 4,873 |
| Retained earnings to average equity (ytd only) | -2.9805% | 4,598 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.5594% | 80 |
| Assets per employee ($millions) | 5.5114% | 3,101 |
| Cash dividends to net income (ytd only)* | -8.1395% | 4,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0585% | 535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 65.1551% | 1,905 |
| Net loans and leases to deposits | 81.5723% | 1,368 |
| Net loans and leases to core deposits | 104.3251% | 564 |
| Total domestic deposits to total assets | 79.8741% | 4,221 |
| Equity capital to assets | 16.9212% | 315 |
| Core capital (leverage) ratio | 16.6437% | 336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,442,000 | 2,916 |
| Average earning assets | $195,265,500 | 3,016 |
| Average equity | $37,443,500 | 2,183 |
| Average total loans | $151,978,000 | 2,672 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7703% | 3,392 |
| Cost of funding earning assets | 0.4586% | 3,230 |
| Net interest margin | 3.3117% | 3,038 |
| Noninterest income to average assets | 0.8727% | 1,343 |
| Noninterest expense to average assets | 4.4329% | 266 |
| Loan and lease loss provision to assets | 0.1189% | 2,880 |
| Net operating income to assets | -0.4595% | 4,873 |
| Return on assets (ROA) | -0.4595% | 4,883 |
| Pretax return on assets | -0.7135% | 4,901 |
| Return on Equity (ROE) | -3.1053% | 4,870 |
| Retained earnings to average equity (ytd only) | -3.3937% | 4,787 |
| Net charge-offs to loans | -0.0422% | 4,635 |
| Credit loss provision to net charge-offs | -387.8378% | 3,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.4917% | 96 |
| Assets per employee ($millions) | 4.8295% | 3,572 |
| Cash dividends to net income (ytd only)* | -9.2876% | 4,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9193% | 694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 69.4459% | 1,626 |
| Net loans and leases to deposits | 87.3958% | 1,144 |
| Net loans and leases to core deposits | 111.7583% | 464 |
| Total domestic deposits to total assets | 79.4614% | 4,148 |
| Equity capital to assets | 16.7958% | 357 |
| Core capital (leverage) ratio | 16.0043% | 388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,332,000 | 2,647 |
| Average earning assets | $216,109,800 | 2,700 |
| Average equity | $35,713,600 | 2,193 |
| Average total loans | $175,326,600 | 2,441 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8095% | 3,539 |
| Cost of funding earning assets | 0.5042% | 3,195 |
| Net interest margin | 3.3052% | 3,168 |
| Noninterest income to average assets | 0.7313% | 1,701 |
| Noninterest expense to average assets | 4.1062% | 347 |
| Loan and lease loss provision to assets | 0.1556% | 2,455 |
| Net operating income to assets | -0.4382% | 4,889 |
| Return on assets (ROA) | -0.4382% | 4,894 |
| Pretax return on assets | -0.5688% | 4,905 |
| Return on Equity (ROE) | -3.0544% | 4,887 |
| Retained earnings to average equity (ytd only) | -3.3640% | 4,788 |
| Net charge-offs to loans | -0.0015% | 3,855 |
| Credit loss provision to net charge-offs | -14,350.0000% | 4,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.1926% | 107 |
| Assets per employee ($millions) | 5.1895% | 3,029 |
| Cash dividends to net income (ytd only)* | -10.1360% | 4,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7263% | 848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 68.7826% | 2,140 |
| Net loans and leases to deposits | 86.9073% | 1,601 |
| Net loans and leases to core deposits | 108.3550% | 757 |
| Total domestic deposits to total assets | 79.1448% | 4,037 |
| Equity capital to assets | 15.4297% | 550 |
| Core capital (leverage) ratio | 15.2455% | 503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,125,750 | 2,588 |
| Average earning assets | $220,533,250 | 2,649 |
| Average equity | $35,313,750 | 2,204 |
| Average total loans | $179,833,750 | 2,414 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9338% | 3,522 |
| Cost of funding earning assets | 0.5733% | 3,116 |
| Net interest margin | 3.3605% | 3,222 |
| Noninterest income to average assets | 0.7567% | 1,560 |
| Noninterest expense to average assets | 3.7770% | 519 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0000% | 4,776 |
| Return on assets (ROA) | 0.0000% | 4,793 |
| Pretax return on assets | 0.0000% | 4,789 |
| Return on Equity (ROE) | 0.0000% | 4,793 |
| Retained earnings to average equity (ytd only) | -0.3474% | 4,372 |
| Net charge-offs to loans | -0.0022% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 182 |
| Assets per employee ($millions) | 5.5238% | 2,618 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 1,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 69.4477% | 2,119 |
| Net loans and leases to deposits | 87.1156% | 1,651 |
| Net loans and leases to core deposits | 106.3028% | 882 |
| Total domestic deposits to total assets | 79.7190% | 3,892 |
| Equity capital to assets | 14.8161% | 661 |
| Core capital (leverage) ratio | 15.7377% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,865,667 | 2,559 |
| Average earning assets | $221,873,333 | 2,615 |
| Average equity | $34,540,333 | 2,232 |
| Average total loans | $182,874,333 | 2,376 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2193% | 3,154 |
| Cost of funding earning assets | 0.6106% | 3,379 |
| Net interest margin | 3.6087% | 2,633 |
| Noninterest income to average assets | 0.8882% | 1,094 |
| Noninterest expense to average assets | 3.8089% | 616 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2329% | 4,474 |
| Return on assets (ROA) | 0.2329% | 4,496 |
| Pretax return on assets | 0.3426% | 4,389 |
| Return on Equity (ROE) | 1.7190% | 4,506 |
| Retained earnings to average equity (ytd only) | 1.3015% | 3,671 |
| Net charge-offs to loans | -0.0088% | 4,030 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7468% | 438 |
| Assets per employee ($millions) | 4.7131% | 2,974 |
| Cash dividends to net income (ytd only)* | 24.2857% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 1,428 |
| Loan loss allowance to noncurrent loans | 133,100.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,652 |
| Noncurrent loans to loans | 0.0011% | 4,585 |
| Net loans and leases to total assets | 76.9458% | 1,142 |
| Net loans and leases to deposits | 91.6466% | 1,324 |
| Net loans and leases to core deposits | 114.6628% | 639 |
| Total domestic deposits to total assets | 83.9592% | 2,801 |
| Equity capital to assets | 14.1295% | 1,020 |
| Core capital (leverage) ratio | 13.4844% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,490,000 | 2,553 |
| Average earning assets | $217,475,000 | 2,592 |
| Average equity | $32,578,000 | 2,324 |
| Average total loans | $182,832,500 | 2,331 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 2,883 |
| Cost of funding earning assets | 0.7837% | 2,751 |
| Net interest margin | 3.7331% | 2,720 |
| Noninterest income to average assets | 0.9213% | 1,142 |
| Noninterest expense to average assets | 3.2835% | 1,333 |
| Loan and lease loss provision to assets | -0.1971% | 5,119 |
| Net operating income to assets | 1.0140% | 2,800 |
| Return on assets (ROA) | 1.0140% | 2,887 |
| Pretax return on assets | 1.2459% | 2,680 |
| Return on Equity (ROE) | 7.9579% | 3,185 |
| Retained earnings to average equity (ytd only) | 7.4624% | 1,185 |
| Net charge-offs to loans | -0.1097% | 4,969 |
| Credit loss provision to net charge-offs | 228.6385% | 1,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7918% | 1,394 |
| Assets per employee ($millions) | 4.9027% | 2,703 |
| Cash dividends to net income (ytd only)* | 6.2275% | 3,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 1,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 73.0468% | 1,914 |
| Net loans and leases to deposits | 84.8576% | 2,229 |
| Net loans and leases to core deposits | 103.5702% | 1,261 |
| Total domestic deposits to total assets | 86.0817% | 2,040 |
| Equity capital to assets | 13.0081% | 1,515 |
| Core capital (leverage) ratio | 13.4023% | 1,080 |
| Tier 1 risk-based capital ratio | 20.1027% | 1,313 |
| Total risk-based capital ratio | 21.3580% | 1,283 |
| Memoranda: | ||
| Average total assets | $247,050,200 | 2,482 |
| Average earning assets | $225,737,000 | 2,492 |
| Average equity | $31,478,000 | 2,321 |
| Average total loans | $194,118,400 | 2,206 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 2,770 |
| Cost of funding earning assets | 0.8201% | 2,614 |
| Net interest margin | 3.7665% | 2,695 |
| Noninterest income to average assets | 0.9468% | 1,049 |
| Noninterest expense to average assets | 3.1408% | 1,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0588% | 2,743 |
| Return on assets (ROA) | 1.0588% | 2,821 |
| Pretax return on assets | 1.2667% | 2,760 |
| Return on Equity (ROE) | 8.3544% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.8419% | 1,473 |
| Net charge-offs to loans | -0.1596% | 5,077 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2601% | 1,929 |
| Assets per employee ($millions) | 5.0637% | 2,482 |
| Cash dividends to net income (ytd only)* | 6.1351% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6780% | 857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 76.3461% | 1,424 |
| Net loans and leases to deposits | 88.8649% | 1,828 |
| Net loans and leases to core deposits | 110.0394% | 951 |
| Total domestic deposits to total assets | 85.9125% | 2,032 |
| Equity capital to assets | 13.1705% | 1,530 |
| Core capital (leverage) ratio | 12.8441% | 1,411 |
| Tier 1 risk-based capital ratio | 19.4170% | 1,479 |
| Total risk-based capital ratio | 20.6756% | 1,447 |
| Memoranda: | ||
| Average total assets | $246,303,500 | 2,504 |
| Average earning assets | $226,305,250 | 2,516 |
| Average equity | $31,216,250 | 2,349 |
| Average total loans | $196,322,500 | 2,212 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6378% | 2,548 |
| Cost of funding earning assets | 0.8284% | 2,505 |
| Net interest margin | 3.8094% | 2,555 |
| Noninterest income to average assets | 0.9693% | 925 |
| Noninterest expense to average assets | 3.1190% | 1,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2030% | 2,139 |
| Return on assets (ROA) | 1.2030% | 2,201 |
| Pretax return on assets | 1.3598% | 2,347 |
| Return on Equity (ROE) | 9.6152% | 2,581 |
| Retained earnings to average equity (ytd only) | 9.0918% | 1,007 |
| Net charge-offs to loans | -0.1458% | 5,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6390% | 2,285 |
| Assets per employee ($millions) | 5.1074% | 2,353 |
| Cash dividends to net income (ytd only)* | 5.4435% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 1,003 |
| Loan loss allowance to noncurrent loans | 575.1402% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 3,683 |
| Noncurrent loans to loans | 0.2804% | 3,530 |
| Net loans and leases to total assets | 78.1975% | 1,188 |
| Net loans and leases to deposits | 93.2225% | 1,351 |
| Net loans and leases to core deposits | 115.3719% | 714 |
| Total domestic deposits to total assets | 83.8827% | 2,914 |
| Equity capital to assets | 13.1571% | 1,513 |
| Core capital (leverage) ratio | 12.7267% | 1,430 |
| Tier 1 risk-based capital ratio | 18.7535% | 1,610 |
| Total risk-based capital ratio | 20.0106% | 1,576 |
| Memoranda: | ||
| Average total assets | $247,385,000 | 2,509 |
| Average earning assets | $227,909,000 | 2,518 |
| Average equity | $30,951,000 | 2,358 |
| Average total loans | $198,852,330 | 2,195 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5610% | 2,664 |
| Cost of funding earning assets | 0.8033% | 2,519 |
| Net interest margin | 3.7578% | 2,679 |
| Noninterest income to average assets | 1.1376% | 624 |
| Noninterest expense to average assets | 3.1674% | 1,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5264% | 1,062 |
| Return on assets (ROA) | 1.5264% | 1,085 |
| Pretax return on assets | 1.4435% | 1,945 |
| Return on Equity (ROE) | 12.5086% | 1,380 |
| Retained earnings to average equity (ytd only) | 11.9863% | 612 |
| Net charge-offs to loans | 0.0039% | 2,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 453.0000% | 171 |
| Efficiency ratio | 68.6938% | 2,539 |
| Assets per employee ($millions) | 5.5165% | 1,970 |
| Cash dividends to net income (ytd only)* | 4.1754% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 1,567 |
| Loan loss allowance to noncurrent loans | 138.9943% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 1,709 |
| Noncurrent loans to loans | 1.0295% | 1,623 |
| Net loans and leases to total assets | 79.5373% | 901 |
| Net loans and leases to deposits | 93.1987% | 1,259 |
| Net loans and leases to core deposits | 114.3899% | 720 |
| Total domestic deposits to total assets | 85.3416% | 2,546 |
| Equity capital to assets | 12.2534% | 1,875 |
| Core capital (leverage) ratio | 12.4918% | 1,525 |
| Tier 1 risk-based capital ratio | 17.2956% | 2,014 |
| Total risk-based capital ratio | 18.5505% | 1,956 |
| Memoranda: | ||
| Average total assets | $251,054,500 | 2,499 |
| Average earning assets | $232,053,500 | 2,509 |
| Average equity | $30,635,000 | 2,375 |
| Average total loans | $202,885,000 | 2,189 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 2,926 |
| Cost of funding earning assets | 0.7321% | 1,886 |
| Net interest margin | 3.6187% | 3,317 |
| Noninterest income to average assets | 0.9358% | 1,091 |
| Noninterest expense to average assets | 2.9036% | 2,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9299% | 3,332 |
| Return on assets (ROA) | 0.9299% | 3,324 |
| Pretax return on assets | 1.4003% | 2,137 |
| Return on Equity (ROE) | 8.7237% | 3,134 |
| Retained earnings to average equity (ytd only) | 8.2237% | 1,142 |
| Net charge-offs to loans | 0.4388% | 417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 4.0021% | 3,347 |
| Efficiency ratio | 67.4637% | 2,634 |
| Assets per employee ($millions) | 5.1740% | 2,300 |
| Cash dividends to net income (ytd only)* | 5.7312% | 3,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 1,424 |
| Loan loss allowance to noncurrent loans | 194.6879% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 2,221 |
| Noncurrent loans to loans | 0.7492% | 2,122 |
| Net loans and leases to total assets | 79.7564% | 974 |
| Net loans and leases to deposits | 94.7360% | 1,200 |
| Net loans and leases to core deposits | 116.6904% | 664 |
| Total domestic deposits to total assets | 84.1880% | 2,941 |
| Equity capital to assets | 12.1506% | 1,788 |
| Core capital (leverage) ratio | 11.6563% | 1,985 |
| Tier 1 risk-based capital ratio | 16.9938% | 2,071 |
| Total risk-based capital ratio | 18.2490% | 2,017 |
| Memoranda: | ||
| Average total assets | $272,079,400 | 2,314 |
| Average earning assets | $253,242,400 | 2,316 |
| Average equity | $29,001,400 | 2,396 |
| Average total loans | $216,967,200 | 2,048 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3076% | 2,937 |
| Cost of funding earning assets | 0.7189% | 1,754 |
| Net interest margin | 3.5887% | 3,406 |
| Noninterest income to average assets | 0.9889% | 979 |
| Noninterest expense to average assets | 2.8665% | 2,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9678% | 3,228 |
| Return on assets (ROA) | 0.9678% | 3,242 |
| Pretax return on assets | 1.4670% | 2,009 |
| Return on Equity (ROE) | 9.3724% | 2,920 |
| Retained earnings to average equity (ytd only) | 8.8754% | 1,270 |
| Net charge-offs to loans | 0.4327% | 368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 4.2664% | 3,083 |
| Efficiency ratio | 66.1465% | 2,849 |
| Assets per employee ($millions) | 5.6237% | 1,806 |
| Cash dividends to net income (ytd only)* | 5.3022% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 1,286 |
| Loan loss allowance to noncurrent loans | 184.2350% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6368% | 2,280 |
| Noncurrent loans to loans | 0.8236% | 2,057 |
| Net loans and leases to total assets | 76.1511% | 1,639 |
| Net loans and leases to deposits | 90.2608% | 1,863 |
| Net loans and leases to core deposits | 106.9088% | 1,235 |
| Total domestic deposits to total assets | 84.3678% | 2,827 |
| Equity capital to assets | 11.0033% | 2,662 |
| Core capital (leverage) ratio | 10.9060% | 2,672 |
| Tier 1 risk-based capital ratio | 15.9069% | 2,482 |
| Total risk-based capital ratio | 17.1628% | 2,416 |
| Memoranda: | ||
| Average total assets | $278,011,750 | 2,292 |
| Average earning assets | $259,102,750 | 2,283 |
| Average equity | $28,707,750 | 2,419 |
| Average total loans | $220,957,250 | 2,021 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3173% | 2,703 |
| Cost of funding earning assets | 0.7141% | 1,548 |
| Net interest margin | 3.6033% | 3,297 |
| Noninterest income to average assets | 0.9277% | 1,117 |
| Noninterest expense to average assets | 2.9162% | 2,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9091% | 3,422 |
| Return on assets (ROA) | 0.9091% | 3,426 |
| Pretax return on assets | 1.3659% | 2,272 |
| Return on Equity (ROE) | 8.9934% | 3,023 |
| Retained earnings to average equity (ytd only) | 8.5141% | 1,402 |
| Net charge-offs to loans | 0.6381% | 229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2.6699% | 2,954 |
| Efficiency ratio | 68.1032% | 2,628 |
| Assets per employee ($millions) | 6.2326% | 1,316 |
| Cash dividends to net income (ytd only)* | 5.3292% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 1,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 76.3578% | 1,580 |
| Net loans and leases to deposits | 89.4884% | 1,913 |
| Net loans and leases to core deposits | 103.2450% | 1,460 |
| Total domestic deposits to total assets | 85.3271% | 2,556 |
| Equity capital to assets | 10.3395% | 3,297 |
| Core capital (leverage) ratio | 10.4981% | 3,033 |
| Tier 1 risk-based capital ratio | 15.2159% | 2,775 |
| Total risk-based capital ratio | 16.4710% | 2,700 |
| Memoranda: | ||
| Average total assets | $280,703,330 | 2,285 |
| Average earning assets | $261,318,330 | 2,263 |
| Average equity | $28,376,330 | 2,450 |
| Average total loans | $225,034,000 | 1,988 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 2,668 |
| Cost of funding earning assets | 0.7022% | 1,428 |
| Net interest margin | 3.5583% | 3,316 |
| Noninterest income to average assets | 0.7749% | 1,538 |
| Noninterest expense to average assets | 2.8673% | 2,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8262% | 3,605 |
| Return on assets (ROA) | 0.8262% | 3,617 |
| Pretax return on assets | 1.2207% | 2,675 |
| Return on Equity (ROE) | 8.2665% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.8104% | 1,917 |
| Net charge-offs to loans | 1.3701% | 104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.0931% | 2,590 |
| Efficiency ratio | 70.1394% | 2,467 |
| Assets per employee ($millions) | 6.1437% | 1,409 |
| Cash dividends to net income (ytd only)* | 5.5172% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 1,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 4,167 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 80.3630% | 892 |
| Net loans and leases to deposits | 95.3239% | 1,091 |
| Net loans and leases to core deposits | 112.3945% | 870 |
| Total domestic deposits to total assets | 84.3052% | 3,193 |
| Equity capital to assets | 10.2504% | 3,333 |
| Core capital (leverage) ratio | 9.9787% | 3,558 |
| Tier 1 risk-based capital ratio | 14.5068% | 3,115 |
| Total risk-based capital ratio | 15.7609% | 3,022 |
| Memoranda: | ||
| Average total assets | $280,820,500 | 2,297 |
| Average earning assets | $261,473,000 | 2,289 |
| Average equity | $28,065,000 | 2,487 |
| Average total loans | $228,888,000 | 1,974 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2069% | 2,663 |
| Cost of funding earning assets | 0.6363% | 1,377 |
| Net interest margin | 3.5706% | 3,266 |
| Noninterest income to average assets | 0.9262% | 1,198 |
| Noninterest expense to average assets | 2.6767% | 3,208 |
| Loan and lease loss provision to assets | -0.0530% | 5,405 |
| Net operating income to assets | 0.8360% | 3,008 |
| Return on assets (ROA) | 0.8360% | 3,045 |
| Pretax return on assets | 1.6151% | 1,252 |
| Return on Equity (ROE) | 8.7203% | 2,441 |
| Retained earnings to average equity (ytd only) | 8.3000% | 667 |
| Net charge-offs to loans | -0.0280% | 5,047 |
| Credit loss provision to net charge-offs | 234.3750% | 1,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1474% | 3,751 |
| Assets per employee ($millions) | 5.7196% | 1,734 |
| Cash dividends to net income (ytd only)* | 4.8203% | 4,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 2,078 |
| Loan loss allowance to noncurrent loans | 237.0683% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 3,048 |
| Noncurrent loans to loans | 0.5604% | 2,816 |
| Net loans and leases to total assets | 80.2183% | 929 |
| Net loans and leases to deposits | 95.6485% | 1,116 |
| Net loans and leases to core deposits | 111.2923% | 935 |
| Total domestic deposits to total assets | 83.8678% | 3,252 |
| Equity capital to assets | 9.8639% | 3,856 |
| Core capital (leverage) ratio | 9.9114% | 3,568 |
| Tier 1 risk-based capital ratio | 14.0049% | 3,359 |
| Total risk-based capital ratio | 15.2585% | 3,262 |
| Memoranda: | ||
| Average total assets | $282,888,400 | 2,273 |
| Average earning assets | $262,450,600 | 2,263 |
| Average equity | $27,120,600 | 2,538 |
| Average total loans | $228,524,800 | 1,943 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 2,498 |
| Cost of funding earning assets | 0.6251% | 1,381 |
| Net interest margin | 3.6100% | 3,110 |
| Noninterest income to average assets | 0.8786% | 1,344 |
| Noninterest expense to average assets | 2.6442% | 3,268 |
| Loan and lease loss provision to assets | -0.0709% | 5,554 |
| Net operating income to assets | 0.8814% | 3,121 |
| Return on assets (ROA) | 0.8814% | 3,166 |
| Pretax return on assets | 1.6489% | 1,248 |
| Return on Equity (ROE) | 9.2616% | 2,463 |
| Retained earnings to average equity (ytd only) | 8.8395% | 899 |
| Net charge-offs to loans | -0.0223% | 4,888 |
| Credit loss provision to net charge-offs | 394.7368% | 773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6259% | 3,790 |
| Assets per employee ($millions) | 6.2280% | 1,359 |
| Cash dividends to net income (ytd only)* | 4.5576% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 2,314 |
| Loan loss allowance to noncurrent loans | 235.0729% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 3,212 |
| Noncurrent loans to loans | 0.5573% | 3,026 |
| Net loans and leases to total assets | 80.5478% | 909 |
| Net loans and leases to deposits | 93.5539% | 1,344 |
| Net loans and leases to core deposits | 108.6912% | 1,113 |
| Total domestic deposits to total assets | 86.0978% | 2,270 |
| Equity capital to assets | 9.6821% | 4,264 |
| Core capital (leverage) ratio | 9.6231% | 4,014 |
| Tier 1 risk-based capital ratio | 13.9753% | 3,451 |
| Total risk-based capital ratio | 15.2293% | 3,372 |
| Memoranda: | ||
| Average total assets | $282,115,250 | 2,292 |
| Average earning assets | $261,302,000 | 2,285 |
| Average equity | $26,848,500 | 2,574 |
| Average total loans | $227,531,500 | 1,958 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1922% | 2,501 |
| Cost of funding earning assets | 0.6058% | 1,404 |
| Net interest margin | 3.5864% | 3,087 |
| Noninterest income to average assets | 0.9328% | 1,175 |
| Noninterest expense to average assets | 2.7136% | 3,044 |
| Loan and lease loss provision to assets | -0.1069% | 5,650 |
| Net operating income to assets | 0.8922% | 2,950 |
| Return on assets (ROA) | 0.8922% | 3,008 |
| Pretax return on assets | 1.6376% | 1,234 |
| Return on Equity (ROE) | 9.4306% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.0087% | 839 |
| Net charge-offs to loans | -0.0089% | 4,494 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9355% | 3,684 |
| Assets per employee ($millions) | 6.4199% | 1,197 |
| Cash dividends to net income (ytd only)* | 4.4728% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 2,211 |
| Loan loss allowance to noncurrent loans | 230.7985% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.4655% | 3,249 |
| Noncurrent loans to loans | 0.5823% | 2,986 |
| Net loans and leases to total assets | 78.8725% | 1,112 |
| Net loans and leases to deposits | 105.8861% | 402 |
| Net loans and leases to core deposits | 120.7738% | 526 |
| Total domestic deposits to total assets | 74.4880% | 5,250 |
| Equity capital to assets | 9.6129% | 4,301 |
| Core capital (leverage) ratio | 9.4705% | 4,160 |
| Tier 1 risk-based capital ratio | 14.0794% | 3,389 |
| Total risk-based capital ratio | 15.3336% | 3,299 |
| Memoranda: | ||
| Average total assets | $280,658,000 | 2,311 |
| Average earning assets | $259,149,000 | 2,306 |
| Average equity | $26,552,000 | 2,593 |
| Average total loans | $225,434,670 | 1,976 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2731% | 2,036 |
| Cost of funding earning assets | 0.6153% | 1,267 |
| Net interest margin | 3.6578% | 2,664 |
| Noninterest income to average assets | 1.2568% | 652 |
| Noninterest expense to average assets | 3.0484% | 2,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8765% | 2,874 |
| Return on assets (ROA) | 0.8765% | 2,929 |
| Pretax return on assets | 1.5914% | 1,261 |
| Return on Equity (ROE) | 9.3406% | 2,258 |
| Retained earnings to average equity (ytd only) | 8.9292% | 1,105 |
| Net charge-offs to loans | 0.0107% | 2,609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 185.5000% | 308 |
| Efficiency ratio | 65.7011% | 3,547 |
| Assets per employee ($millions) | 6.3242% | 1,278 |
| Cash dividends to net income (ytd only)* | 4.4046% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 2,163 |
| Loan loss allowance to noncurrent loans | 164.7946% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6757% | 2,601 |
| Noncurrent loans to loans | 0.8371% | 2,363 |
| Net loans and leases to total assets | 79.6095% | 886 |
| Net loans and leases to deposits | 105.4434% | 340 |
| Net loans and leases to core deposits | 119.9320% | 465 |
| Total domestic deposits to total assets | 75.4998% | 5,286 |
| Equity capital to assets | 9.3271% | 4,474 |
| Core capital (leverage) ratio | 9.1275% | 4,570 |
| Tier 1 risk-based capital ratio | 13.7275% | 3,650 |
| Total risk-based capital ratio | 14.9826% | 3,548 |
| Memoranda: | ||
| Average total assets | $279,749,500 | 2,330 |
| Average earning assets | $258,737,500 | 2,324 |
| Average equity | $26,251,000 | 2,619 |
| Average total loans | $225,237,000 | 1,983 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4007% | 1,821 |
| Cost of funding earning assets | 0.5624% | 1,590 |
| Net interest margin | 3.8382% | 2,178 |
| Noninterest income to average assets | 0.5616% | 2,863 |
| Noninterest expense to average assets | 2.7478% | 3,200 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7437% | 3,566 |
| Return on assets (ROA) | 0.7437% | 3,681 |
| Pretax return on assets | 1.3541% | 2,086 |
| Return on Equity (ROE) | 7.3617% | 3,290 |
| Retained earnings to average equity (ytd only) | 6.9660% | 1,239 |
| Net charge-offs to loans | -0.0443% | 5,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9882% | 3,442 |
| Assets per employee ($millions) | 6.2480% | 1,296 |
| Cash dividends to net income (ytd only)* | 5.3746% | 4,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 1,925 |
| Loan loss allowance to noncurrent loans | 142.3767% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 2,324 |
| Noncurrent loans to loans | 1.0102% | 2,067 |
| Net loans and leases to total assets | 79.1423% | 1,019 |
| Net loans and leases to deposits | 114.3829% | 150 |
| Net loans and leases to core deposits | 128.1489% | 307 |
| Total domestic deposits to total assets | 69.1906% | 5,691 |
| Equity capital to assets | 9.4424% | 4,336 |
| Core capital (leverage) ratio | 9.5788% | 3,994 |
| Tier 1 risk-based capital ratio | 13.7528% | 3,608 |
| Total risk-based capital ratio | 15.0085% | 3,510 |
| Memoranda: | ||
| Average total assets | $247,686,000 | 2,529 |
| Average earning assets | $228,465,400 | 2,528 |
| Average equity | $25,021,400 | 2,720 |
| Average total loans | $203,099,000 | 2,095 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4499% | 1,698 |
| Cost of funding earning assets | 0.5631% | 1,587 |
| Net interest margin | 3.8867% | 2,019 |
| Noninterest income to average assets | 0.5319% | 3,036 |
| Noninterest expense to average assets | 2.8046% | 2,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7135% | 3,775 |
| Return on assets (ROA) | 0.7135% | 3,914 |
| Pretax return on assets | 1.3107% | 2,387 |
| Return on Equity (ROE) | 6.9335% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.5408% | 1,884 |
| Net charge-offs to loans | -0.0329% | 5,198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1506% | 3,198 |
| Assets per employee ($millions) | 6.0712% | 1,382 |
| Cash dividends to net income (ytd only)* | 5.6633% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 2,091 |
| Loan loss allowance to noncurrent loans | 138.0617% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.8498% | 2,429 |
| Noncurrent loans to loans | 1.0311% | 2,183 |
| Net loans and leases to total assets | 81.2412% | 727 |
| Net loans and leases to deposits | 114.3153% | 179 |
| Net loans and leases to core deposits | 127.9119% | 334 |
| Total domestic deposits to total assets | 71.0677% | 5,640 |
| Equity capital to assets | 9.5199% | 4,640 |
| Core capital (leverage) ratio | 9.9745% | 3,607 |
| Tier 1 risk-based capital ratio | 13.3895% | 3,925 |
| Total risk-based capital ratio | 14.6446% | 3,833 |
| Memoranda: | ||
| Average total assets | $240,880,000 | 2,579 |
| Average earning assets | $222,083,250 | 2,583 |
| Average equity | $24,787,250 | 2,760 |
| Average total loans | $198,687,500 | 2,136 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 1,381 |
| Cost of funding earning assets | 0.5701% | 1,544 |
| Net interest margin | 3.9812% | 1,699 |
| Noninterest income to average assets | 0.5290% | 3,011 |
| Noninterest expense to average assets | 2.9535% | 2,506 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6841% | 3,880 |
| Return on assets (ROA) | 0.6841% | 4,022 |
| Pretax return on assets | 1.2278% | 2,678 |
| Return on Equity (ROE) | 6.4625% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.0718% | 2,080 |
| Net charge-offs to loans | -0.0637% | 5,458 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6367% | 2,885 |
| Assets per employee ($millions) | 5.9676% | 1,426 |
| Cash dividends to net income (ytd only)* | 6.0453% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 1,776 |
| Loan loss allowance to noncurrent loans | 102.1429% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.2588% | 1,621 |
| Noncurrent loans to loans | 1.4928% | 1,465 |
| Net loans and leases to total assets | 83.0426% | 510 |
| Net loans and leases to deposits | 116.0046% | 144 |
| Net loans and leases to core deposits | 130.4690% | 301 |
| Total domestic deposits to total assets | 71.5856% | 5,691 |
| Equity capital to assets | 10.2018% | 3,974 |
| Core capital (leverage) ratio | 10.1800% | 3,352 |
| Tier 1 risk-based capital ratio | 14.3221% | 3,424 |
| Total risk-based capital ratio | 15.5793% | 3,340 |
| Memoranda: | ||
| Average total assets | $232,128,670 | 2,661 |
| Average earning assets | $212,948,670 | 2,683 |
| Average equity | $24,572,670 | 2,781 |
| Average total loans | $191,531,000 | 2,196 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 1,311 |
| Cost of funding earning assets | 0.5520% | 1,689 |
| Net interest margin | 4.0282% | 1,535 |
| Noninterest income to average assets | 0.5366% | 2,888 |
| Noninterest expense to average assets | 3.1489% | 1,961 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6199% | 4,093 |
| Return on assets (ROA) | 0.6199% | 4,214 |
| Pretax return on assets | 1.0839% | 3,156 |
| Return on Equity (ROE) | 5.7428% | 4,107 |
| Retained earnings to average equity (ytd only) | 5.3654% | 2,734 |
| Net charge-offs to loans | -0.0348% | 5,128 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3933% | 2,413 |
| Assets per employee ($millions) | 5.5198% | 1,816 |
| Cash dividends to net income (ytd only)* | 6.5714% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 1,780 |
| Loan loss allowance to noncurrent loans | 133.7791% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.9544% | 2,318 |
| Noncurrent loans to loans | 1.1607% | 2,083 |
| Net loans and leases to total assets | 80.9533% | 689 |
| Net loans and leases to deposits | 109.9146% | 232 |
| Net loans and leases to core deposits | 124.2893% | 363 |
| Total domestic deposits to total assets | 73.6510% | 5,646 |
| Equity capital to assets | 10.1050% | 3,941 |
| Core capital (leverage) ratio | 11.1163% | 2,294 |
| Tier 1 risk-based capital ratio | 14.3235% | 3,486 |
| Total risk-based capital ratio | 15.5806% | 3,404 |
| Memoranda: | ||
| Average total assets | $225,857,000 | 2,726 |
| Average earning assets | $207,238,000 | 2,749 |
| Average equity | $24,378,500 | 2,798 |
| Average total loans | $184,132,500 | 2,271 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2055% | 423 |
| Cost of funding earning assets | 0.4932% | 2,220 |
| Net interest margin | 4.7123% | 441 |
| Noninterest income to average assets | 0.6766% | 2,310 |
| Noninterest expense to average assets | 3.6751% | 1,009 |
| Loan and lease loss provision to assets | -0.1348% | 5,905 |
| Net operating income to assets | 0.8978% | 2,883 |
| Return on assets (ROA) | 0.8981% | 2,959 |
| Pretax return on assets | 1.3812% | 1,976 |
| Return on Equity (ROE) | 7.0311% | 3,498 |
| Retained earnings to average equity (ytd only) | 4.0220% | 3,160 |
| Net charge-offs to loans | 0.0034% | 4,337 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,724 |
| Earnings coverage of net charge-offs (x) | 462.2000% | 143 |
| Efficiency ratio | 74.6823% | 2,479 |
| Assets per employee ($millions) | 4.5401% | 2,981 |
| Cash dividends to net income (ytd only)* | 42.7971% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8303% | 1,082 |
| Loan loss allowance to noncurrent loans | 131.7813% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 1,954 |
| Noncurrent loans to loans | 1.3889% | 1,688 |
| Net loans and leases to total assets | 79.2303% | 956 |
| Net loans and leases to deposits | 105.2656% | 385 |
| Net loans and leases to core deposits | 109.3932% | 894 |
| Total domestic deposits to total assets | 75.2671% | 5,525 |
| Equity capital to assets | 11.5948% | 2,281 |
| Core capital (leverage) ratio | 12.4488% | 1,370 |
| Tier 1 risk-based capital ratio | 15.3348% | 3,023 |
| Total risk-based capital ratio | 16.5937% | 2,960 |
| Memoranda: | ||
| Average total assets | $185,493,600 | 3,111 |
| Average earning assets | $167,073,400 | 3,163 |
| Average equity | $23,694,800 | 2,812 |
| Average total loans | $146,817,000 | 2,641 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3390% | 352 |
| Cost of funding earning assets | 0.4989% | 2,224 |
| Net interest margin | 4.8401% | 343 |
| Noninterest income to average assets | 0.6946% | 2,252 |
| Noninterest expense to average assets | 3.6254% | 1,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9131% | 2,900 |
| Return on assets (ROA) | 0.9136% | 2,985 |
| Pretax return on assets | 1.4257% | 1,913 |
| Return on Equity (ROE) | 6.9650% | 3,640 |
| Retained earnings to average equity (ytd only) | 3.1798% | 4,202 |
| Net charge-offs to loans | -0.0104% | 4,999 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7855% | 2,919 |
| Assets per employee ($millions) | 3.7698% | 4,324 |
| Cash dividends to net income (ytd only)* | 54.3463% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3539% | 537 |
| Loan loss allowance to noncurrent loans | 136.8873% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 1.3816% | 1,667 |
| Noncurrent loans to loans | 1.7196% | 1,397 |
| Net loans and leases to total assets | 78.4559% | 1,031 |
| Net loans and leases to deposits | 91.4978% | 1,466 |
| Net loans and leases to core deposits | 94.4047% | 2,037 |
| Total domestic deposits to total assets | 85.7462% | 2,671 |
| Equity capital to assets | 13.4461% | 1,253 |
| Core capital (leverage) ratio | 13.2745% | 1,103 |
| Tier 1 risk-based capital ratio | 16.5960% | 2,527 |
| Total risk-based capital ratio | 17.8596% | 2,478 |
| Memoranda: | ||
| Average total assets | $179,656,250 | 3,194 |
| Average earning assets | $161,674,750 | 3,260 |
| Average equity | $23,564,750 | 2,851 |
| Average total loans | $141,383,250 | 2,727 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3720% | 321 |
| Cost of funding earning assets | 0.5179% | 2,085 |
| Net interest margin | 4.8542% | 328 |
| Noninterest income to average assets | 0.6693% | 2,363 |
| Noninterest expense to average assets | 3.5206% | 1,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9231% | 2,767 |
| Return on assets (ROA) | 0.9231% | 2,891 |
| Pretax return on assets | 1.5215% | 1,588 |
| Return on Equity (ROE) | 7.0959% | 3,556 |
| Retained earnings to average equity (ytd only) | 4.5318% | 3,146 |
| Net charge-offs to loans | -0.0071% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8242% | 3,354 |
| Assets per employee ($millions) | 4.0475% | 3,781 |
| Cash dividends to net income (ytd only)* | 36.1345% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3982% | 552 |
| Loan loss allowance to noncurrent loans | 107.1772% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.7135% | 1,384 |
| Noncurrent loans to loans | 2.2376% | 1,067 |
| Net loans and leases to total assets | 74.7437% | 1,543 |
| Net loans and leases to deposits | 88.1248% | 1,822 |
| Net loans and leases to core deposits | 91.7297% | 2,182 |
| Total domestic deposits to total assets | 84.8158% | 3,206 |
| Equity capital to assets | 13.0649% | 1,371 |
| Core capital (leverage) ratio | 13.2592% | 1,068 |
| Tier 1 risk-based capital ratio | 16.9774% | 2,410 |
| Total risk-based capital ratio | 18.2417% | 2,356 |
| Memoranda: | ||
| Average total assets | $180,481,330 | 3,210 |
| Average earning assets | $162,582,330 | 3,265 |
| Average equity | $23,478,330 | 2,866 |
| Average total loans | $141,057,670 | 2,738 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5254% | 249 |
| Cost of funding earning assets | 0.5308% | 2,010 |
| Net interest margin | 4.9946% | 251 |
| Noninterest income to average assets | 0.6680% | 2,318 |
| Noninterest expense to average assets | 3.6314% | 1,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9173% | 2,665 |
| Return on assets (ROA) | 0.9173% | 2,784 |
| Pretax return on assets | 1.5407% | 1,420 |
| Return on Equity (ROE) | 7.0670% | 3,471 |
| Retained earnings to average equity (ytd only) | 1.9040% | 4,715 |
| Net charge-offs to loans | -0.0028% | 4,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2109% | 3,449 |
| Assets per employee ($millions) | 4.2293% | 3,509 |
| Cash dividends to net income (ytd only)* | 73.0583% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3621% | 650 |
| Loan loss allowance to noncurrent loans | 104.1459% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.7640% | 1,392 |
| Noncurrent loans to loans | 2.2680% | 1,098 |
| Net loans and leases to total assets | 75.9396% | 1,218 |
| Net loans and leases to deposits | 89.3321% | 1,453 |
| Net loans and leases to core deposits | 94.1853% | 1,751 |
| Total domestic deposits to total assets | 85.0082% | 3,401 |
| Equity capital to assets | 12.8534% | 1,477 |
| Core capital (leverage) ratio | 12.9386% | 1,176 |
| Tier 1 risk-based capital ratio | 16.2888% | 2,782 |
| Total risk-based capital ratio | 17.5523% | 2,718 |
| Memoranda: | ||
| Average total assets | $179,653,500 | 3,238 |
| Average earning assets | $162,015,000 | 3,296 |
| Average equity | $23,319,500 | 2,898 |
| Average total loans | $141,846,000 | 2,734 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3235% | 434 |
| Cost of funding earning assets | 0.5440% | 2,257 |
| Net interest margin | 4.7795% | 447 |
| Noninterest income to average assets | 0.7191% | 2,214 |
| Noninterest expense to average assets | 3.5246% | 1,430 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0024% | 2,370 |
| Return on assets (ROA) | 1.0024% | 2,449 |
| Pretax return on assets | 1.5325% | 1,434 |
| Return on Equity (ROE) | 8.1266% | 3,063 |
| Retained earnings to average equity (ytd only) | 8.1266% | 978 |
| Net charge-offs to loans | -0.0348% | 5,830 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6953% | 3,583 |
| Assets per employee ($millions) | 3.9433% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3480% | 675 |
| Loan loss allowance to noncurrent loans | 85.9938% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 2.1888% | 1,116 |
| Noncurrent loans to loans | 2.7304% | 891 |
| Net loans and leases to total assets | 78.2810% | 964 |
| Net loans and leases to deposits | 92.4463% | 1,241 |
| Net loans and leases to core deposits | 97.4335% | 1,596 |
| Total domestic deposits to total assets | 84.6772% | 3,428 |
| Equity capital to assets | 13.1103% | 1,311 |
| Core capital (leverage) ratio | 12.7332% | 1,237 |
| Tier 1 risk-based capital ratio | 16.1747% | 2,871 |
| Total risk-based capital ratio | 17.4381% | 2,806 |
| Memoranda: | ||
| Average total assets | $181,071,200 | 3,197 |
| Average earning assets | $164,348,200 | 3,227 |
| Average equity | $22,334,200 | 2,914 |
| Average total loans | $137,773,800 | 2,741 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2557% | 469 |
| Cost of funding earning assets | 0.5368% | 2,403 |
| Net interest margin | 4.7189% | 483 |
| Noninterest income to average assets | 0.7158% | 2,253 |
| Noninterest expense to average assets | 3.3923% | 1,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0353% | 2,301 |
| Return on assets (ROA) | 1.0353% | 2,362 |
| Pretax return on assets | 1.6068% | 1,306 |
| Return on Equity (ROE) | 8.5240% | 2,937 |
| Retained earnings to average equity (ytd only) | 8.5240% | 1,143 |
| Net charge-offs to loans | -0.0361% | 5,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8587% | 3,885 |
| Assets per employee ($millions) | 4.1449% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3742% | 760 |
| Loan loss allowance to noncurrent loans | 82.1570% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 2.1724% | 1,278 |
| Noncurrent loans to loans | 2.8899% | 937 |
| Net loans and leases to total assets | 73.3880% | 1,615 |
| Net loans and leases to deposits | 85.8837% | 1,916 |
| Net loans and leases to core deposits | 90.0511% | 2,220 |
| Total domestic deposits to total assets | 85.4504% | 3,133 |
| Equity capital to assets | 12.2565% | 1,859 |
| Core capital (leverage) ratio | 12.3182% | 1,502 |
| Tier 1 risk-based capital ratio | 16.1727% | 2,972 |
| Total risk-based capital ratio | 17.4363% | 2,922 |
| Memoranda: | ||
| Average total assets | $181,977,000 | 3,215 |
| Average earning assets | $165,176,500 | 3,245 |
| Average equity | $22,101,750 | 2,946 |
| Average total loans | $136,655,250 | 2,765 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 466 |
| Cost of funding earning assets | 0.5271% | 2,566 |
| Net interest margin | 4.7264% | 463 |
| Noninterest income to average assets | 0.7425% | 2,080 |
| Noninterest expense to average assets | 3.3736% | 1,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0307% | 2,200 |
| Return on assets (ROA) | 1.0307% | 2,265 |
| Pretax return on assets | 1.6624% | 1,109 |
| Return on Equity (ROE) | 8.5131% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.5131% | 1,143 |
| Net charge-offs to loans | -0.0162% | 5,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9894% | 4,195 |
| Assets per employee ($millions) | 4.4014% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4511% | 761 |
| Loan loss allowance to noncurrent loans | 81.7979% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 2.1336% | 1,450 |
| Noncurrent loans to loans | 2.9966% | 969 |
| Net loans and leases to total assets | 69.4552% | 2,168 |
| Net loans and leases to deposits | 80.7067% | 2,422 |
| Net loans and leases to core deposits | 84.6700% | 2,665 |
| Total domestic deposits to total assets | 86.0589% | 3,010 |
| Equity capital to assets | 11.8245% | 2,127 |
| Core capital (leverage) ratio | 12.3489% | 1,475 |
| Tier 1 risk-based capital ratio | 16.1248% | 3,023 |
| Total risk-based capital ratio | 17.3887% | 2,962 |
| Memoranda: | ||
| Average total assets | $180,462,330 | 3,245 |
| Average earning assets | $163,928,670 | 3,272 |
| Average equity | $21,848,670 | 2,965 |
| Average total loans | $135,469,330 | 2,786 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4642% | 307 |
| Cost of funding earning assets | 0.5156% | 2,754 |
| Net interest margin | 4.9486% | 300 |
| Noninterest income to average assets | 0.7861% | 1,816 |
| Noninterest expense to average assets | 3.5442% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0519% | 2,001 |
| Return on assets (ROA) | 1.0519% | 2,068 |
| Pretax return on assets | 1.7335% | 912 |
| Return on Equity (ROE) | 8.5806% | 2,654 |
| Retained earnings to average equity (ytd only) | 8.5806% | 1,389 |
| Net charge-offs to loans | -0.0236% | 5,431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1545% | 4,338 |
| Assets per employee ($millions) | 4.3282% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4545% | 858 |
| Loan loss allowance to noncurrent loans | 134.3648% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 1.3840% | 2,560 |
| Noncurrent loans to loans | 1.8267% | 2,104 |
| Net loans and leases to total assets | 73.9035% | 1,286 |
| Net loans and leases to deposits | 86.6332% | 1,516 |
| Net loans and leases to core deposits | 90.0525% | 1,900 |
| Total domestic deposits to total assets | 85.3063% | 3,718 |
| Equity capital to assets | 12.3478% | 1,660 |
| Core capital (leverage) ratio | 12.4482% | 1,405 |
| Tier 1 risk-based capital ratio | 16.0353% | 3,158 |
| Total risk-based capital ratio | 17.3000% | 3,101 |
| Memoranda: | ||
| Average total assets | $176,063,500 | 3,318 |
| Average earning assets | $159,804,000 | 3,349 |
| Average equity | $21,583,500 | 2,986 |
| Average total loans | $135,827,000 | 2,798 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6428% | 291 |
| Cost of funding earning assets | 0.5774% | 2,860 |
| Net interest margin | 5.0654% | 280 |
| Noninterest income to average assets | 0.7372% | 2,348 |
| Noninterest expense to average assets | 3.7460% | 1,224 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9817% | 2,415 |
| Return on assets (ROA) | 0.9817% | 2,482 |
| Pretax return on assets | 1.5221% | 1,378 |
| Return on Equity (ROE) | 8.4867% | 2,785 |
| Retained earnings to average equity (ytd only) | 8.4867% | 910 |
| Net charge-offs to loans | 0.0051% | 5,368 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 382.2857% | 113 |
| Efficiency ratio | 71.1078% | 3,650 |
| Assets per employee ($millions) | 4.2602% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3993% | 933 |
| Loan loss allowance to noncurrent loans | 128.1432% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.4708% | 2,530 |
| Noncurrent loans to loans | 1.8724% | 2,145 |
| Net loans and leases to total assets | 76.6674% | 991 |
| Net loans and leases to deposits | 90.4141% | 1,194 |
| Net loans and leases to core deposits | 94.3661% | 1,576 |
| Total domestic deposits to total assets | 84.7959% | 3,849 |
| Equity capital to assets | 12.1687% | 1,701 |
| Core capital (leverage) ratio | 11.7278% | 1,805 |
| Tier 1 risk-based capital ratio | 15.2485% | 3,517 |
| Total risk-based capital ratio | 16.5126% | 3,456 |
| Memoranda: | ||
| Average total assets | $175,812,200 | 3,326 |
| Average earning assets | $157,263,600 | 3,383 |
| Average equity | $20,337,600 | 3,119 |
| Average total loans | $138,218,000 | 2,732 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6199% | 313 |
| Cost of funding earning assets | 0.5871% | 2,928 |
| Net interest margin | 5.0328% | 299 |
| Noninterest income to average assets | 0.7632% | 2,304 |
| Noninterest expense to average assets | 3.7531% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9487% | 2,602 |
| Return on assets (ROA) | 0.9487% | 2,704 |
| Pretax return on assets | 1.4885% | 1,647 |
| Return on Equity (ROE) | 8.3081% | 2,970 |
| Retained earnings to average equity (ytd only) | 8.3081% | 1,294 |
| Net charge-offs to loans | 0.0116% | 4,911 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 163.8294% | 340 |
| Efficiency ratio | 71.6019% | 3,483 |
| Assets per employee ($millions) | 4.2402% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3667% | 1,086 |
| Loan loss allowance to noncurrent loans | 132.0080% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 1.3657% | 2,916 |
| Noncurrent loans to loans | 1.7929% | 2,507 |
| Net loans and leases to total assets | 74.3704% | 1,238 |
| Net loans and leases to deposits | 86.8806% | 1,507 |
| Net loans and leases to core deposits | 90.2621% | 1,944 |
| Total domestic deposits to total assets | 85.6007% | 3,451 |
| Equity capital to assets | 11.3981% | 2,385 |
| Core capital (leverage) ratio | 11.3943% | 2,128 |
| Tier 1 risk-based capital ratio | 14.5840% | 4,026 |
| Total risk-based capital ratio | 15.8473% | 3,969 |
| Memoranda: | ||
| Average total assets | $176,097,750 | 3,346 |
| Average earning assets | $156,701,750 | 3,429 |
| Average equity | $20,108,250 | 3,178 |
| Average total loans | $138,470,750 | 2,738 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6767% | 287 |
| Cost of funding earning assets | 0.6004% | 2,931 |
| Net interest margin | 5.0763% | 271 |
| Noninterest income to average assets | 0.7413% | 2,453 |
| Noninterest expense to average assets | 3.8317% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8804% | 2,900 |
| Return on assets (ROA) | 0.8804% | 3,046 |
| Pretax return on assets | 1.3987% | 1,933 |
| Return on Equity (ROE) | 7.7048% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.7048% | 1,594 |
| Net charge-offs to loans | -0.0376% | 6,154 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2586% | 3,268 |
| Assets per employee ($millions) | 4.2880% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3828% | 1,113 |
| Loan loss allowance to noncurrent loans | 112.9416% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 1.6347% | 2,655 |
| Noncurrent loans to loans | 2.1097% | 2,272 |
| Net loans and leases to total assets | 75.6359% | 1,024 |
| Net loans and leases to deposits | 87.9365% | 1,343 |
| Net loans and leases to core deposits | 91.5868% | 1,751 |
| Total domestic deposits to total assets | 86.0120% | 3,358 |
| Equity capital to assets | 11.2689% | 2,502 |
| Core capital (leverage) ratio | 11.5130% | 1,926 |
| Tier 1 risk-based capital ratio | 14.0026% | 4,425 |
| Total risk-based capital ratio | 15.2653% | 4,376 |
| Memoranda: | ||
| Average total assets | $174,021,000 | 3,390 |
| Average earning assets | $153,892,670 | 3,492 |
| Average equity | $19,883,670 | 3,220 |
| Average total loans | $138,332,670 | 2,742 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7844% | 240 |
| Cost of funding earning assets | 0.6172% | 2,947 |
| Net interest margin | 5.1672% | 205 |
| Noninterest income to average assets | 0.7393% | 2,378 |
| Noninterest expense to average assets | 4.1665% | 739 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6971% | 3,697 |
| Return on assets (ROA) | 0.6971% | 3,841 |
| Pretax return on assets | 1.0972% | 2,959 |
| Return on Equity (ROE) | 6.0575% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.0575% | 2,650 |
| Net charge-offs to loans | -0.0349% | 5,967 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1556% | 2,451 |
| Assets per employee ($millions) | 4.0951% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4032% | 1,246 |
| Loan loss allowance to noncurrent loans | 108.6643% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.9634% | 2,391 |
| Noncurrent loans to loans | 2.2116% | 2,375 |
| Net loans and leases to total assets | 78.1789% | 592 |
| Net loans and leases to deposits | 91.4285% | 854 |
| Net loans and leases to core deposits | 95.2139% | 1,255 |
| Total domestic deposits to total assets | 85.5082% | 3,790 |
| Equity capital to assets | 11.5277% | 2,385 |
| Core capital (leverage) ratio | 11.4918% | 1,891 |
| Tier 1 risk-based capital ratio | 13.9542% | 4,539 |
| Total risk-based capital ratio | 15.2177% | 4,489 |
| Memoranda: | ||
| Average total assets | $170,983,000 | 3,478 |
| Average earning assets | $149,712,500 | 3,598 |
| Average equity | $19,678,000 | 3,286 |
| Average total loans | $137,727,500 | 2,765 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9704% | 276 |
| Cost of funding earning assets | 0.7346% | 3,212 |
| Net interest margin | 5.2358% | 255 |
| Noninterest income to average assets | 0.7957% | 2,279 |
| Noninterest expense to average assets | 4.0817% | 887 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8222% | 3,174 |
| Return on assets (ROA) | 0.8222% | 3,429 |
| Pretax return on assets | 1.3201% | 2,322 |
| Return on Equity (ROE) | 7.7446% | 3,211 |
| Retained earnings to average equity (ytd only) | 7.7446% | 1,212 |
| Net charge-offs to loans | 0.6632% | 1,776 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.6363% | 4,110 |
| Efficiency ratio | 75.5611% | 2,817 |
| Assets per employee ($millions) | 3.8630% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3961% | 1,235 |
| Loan loss allowance to noncurrent loans | 105.3994% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 2.0356% | 2,407 |
| Noncurrent loans to loans | 2.2734% | 2,381 |
| Net loans and leases to total assets | 79.0613% | 556 |
| Net loans and leases to deposits | 90.6663% | 1,011 |
| Net loans and leases to core deposits | 94.7173% | 1,407 |
| Total domestic deposits to total assets | 87.2002% | 2,704 |
| Equity capital to assets | 11.4895% | 2,458 |
| Core capital (leverage) ratio | 10.9732% | 2,280 |
| Tier 1 risk-based capital ratio | 13.8773% | 4,466 |
| Total risk-based capital ratio | 15.1409% | 4,422 |
| Memoranda: | ||
| Average total assets | $177,328,600 | 3,344 |
| Average earning assets | $156,003,000 | 3,449 |
| Average equity | $18,826,000 | 3,356 |
| Average total loans | $133,886,800 | 2,811 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6614% | 502 |
| Cost of funding earning assets | 0.7546% | 3,313 |
| Net interest margin | 4.9068% | 463 |
| Noninterest income to average assets | 0.8201% | 2,158 |
| Noninterest expense to average assets | 3.8510% | 1,127 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7777% | 3,558 |
| Return on assets (ROA) | 0.7777% | 3,809 |
| Pretax return on assets | 1.3045% | 2,595 |
| Return on Equity (ROE) | 7.4707% | 3,545 |
| Retained earnings to average equity (ytd only) | 7.4707% | 1,867 |
| Net charge-offs to loans | 1.0742% | 966 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.6368% | 4,463 |
| Efficiency ratio | 74.6969% | 2,876 |
| Assets per employee ($millions) | 3.8845% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3688% | 1,408 |
| Loan loss allowance to noncurrent loans | 64.4201% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 2.9559% | 1,773 |
| Noncurrent loans to loans | 3.6770% | 1,455 |
| Net loans and leases to total assets | 73.4717% | 1,322 |
| Net loans and leases to deposits | 84.2717% | 1,835 |
| Net loans and leases to core deposits | 89.9489% | 1,984 |
| Total domestic deposits to total assets | 87.1844% | 2,567 |
| Equity capital to assets | 10.9358% | 3,340 |
| Core capital (leverage) ratio | 10.8925% | 2,495 |
| Tier 1 risk-based capital ratio | 13.9783% | 4,543 |
| Total risk-based capital ratio | 15.2416% | 4,479 |
| Memoranda: | ||
| Average total assets | $179,167,750 | 3,367 |
| Average earning assets | $158,307,750 | 3,444 |
| Average equity | $18,650,250 | 3,413 |
| Average total loans | $132,938,250 | 2,853 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6649% | 514 |
| Cost of funding earning assets | 0.7908% | 3,263 |
| Net interest margin | 4.8741% | 494 |
| Noninterest income to average assets | 0.8260% | 2,072 |
| Noninterest expense to average assets | 3.6607% | 1,443 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9478% | 2,667 |
| Return on assets (ROA) | 0.9478% | 2,928 |
| Pretax return on assets | 1.4716% | 1,951 |
| Return on Equity (ROE) | 9.2566% | 2,688 |
| Retained earnings to average equity (ytd only) | 9.2566% | 1,194 |
| Net charge-offs to loans | 1.0794% | 1,010 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.8458% | 4,051 |
| Efficiency ratio | 71.3269% | 3,546 |
| Assets per employee ($millions) | 4.0978% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6375% | 1,107 |
| Loan loss allowance to noncurrent loans | 66.2653% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 3.0545% | 1,799 |
| Noncurrent loans to loans | 3.9803% | 1,388 |
| Net loans and leases to total assets | 74.3610% | 1,199 |
| Net loans and leases to deposits | 85.2935% | 1,687 |
| Net loans and leases to core deposits | 90.6414% | 1,915 |
| Total domestic deposits to total assets | 87.1825% | 2,663 |
| Equity capital to assets | 10.9971% | 3,122 |
| Core capital (leverage) ratio | 10.5853% | 2,725 |
| Tier 1 risk-based capital ratio | 13.8384% | 4,567 |
| Total risk-based capital ratio | 15.1052% | 4,529 |
| Memoranda: | ||
| Average total assets | $180,623,000 | 3,346 |
| Average earning assets | $159,578,670 | 3,436 |
| Average equity | $18,495,000 | 3,427 |
| Average total loans | $133,402,330 | 2,868 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6245% | 597 |
| Cost of funding earning assets | 0.8354% | 3,183 |
| Net interest margin | 4.7890% | 577 |
| Noninterest income to average assets | 0.7334% | 2,475 |
| Noninterest expense to average assets | 3.5418% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8892% | 2,972 |
| Return on assets (ROA) | 0.8892% | 3,195 |
| Pretax return on assets | 1.4085% | 2,175 |
| Return on Equity (ROE) | 8.9939% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.9939% | 1,600 |
| Net charge-offs to loans | 1.9497% | 492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.9939% | 3,833 |
| Efficiency ratio | 71.5472% | 3,520 |
| Assets per employee ($millions) | 4.3768% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6441% | 1,183 |
| Loan loss allowance to noncurrent loans | 65.0580% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 2.9669% | 1,951 |
| Noncurrent loans to loans | 4.0642% | 1,493 |
| Net loans and leases to total assets | 70.7452% | 1,624 |
| Net loans and leases to deposits | 81.1431% | 2,040 |
| Net loans and leases to core deposits | 88.6713% | 1,982 |
| Total domestic deposits to total assets | 87.1857% | 2,834 |
| Equity capital to assets | 10.0535% | 4,061 |
| Core capital (leverage) ratio | 9.7972% | 3,647 |
| Tier 1 risk-based capital ratio | 13.1336% | 5,107 |
| Total risk-based capital ratio | 14.4000% | 5,065 |
| Memoranda: | ||
| Average total assets | $184,880,000 | 3,300 |
| Average earning assets | $162,789,000 | 3,397 |
| Average equity | $18,279,000 | 3,455 |
| Average total loans | $134,379,000 | 2,864 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7065% | 772 |
| Cost of funding earning assets | 1.1417% | 2,402 |
| Net interest margin | 4.5649% | 989 |
| Noninterest income to average assets | 0.8475% | 1,854 |
| Noninterest expense to average assets | 3.3932% | 2,261 |
| Loan and lease loss provision to assets | 0.8470% | 1,146 |
| Net operating income to assets | 0.4545% | 4,616 |
| Return on assets (ROA) | 0.5004% | 4,633 |
| Pretax return on assets | 0.7440% | 4,177 |
| Return on Equity (ROE) | 5.3253% | 4,238 |
| Retained earnings to average equity (ytd only) | 2.7489% | 4,279 |
| Net charge-offs to loans | 0.3960% | 3,432 |
| Credit loss provision to net charge-offs | 297.7941% | 791 |
| Earnings coverage of net charge-offs (x) | 5.3529% | 2,821 |
| Efficiency ratio | 68.9853% | 4,152 |
| Assets per employee ($millions) | 4.7675% | 2,490 |
| Cash dividends to net income (ytd only)* | 48.3804% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0974% | 745 |
| Loan loss allowance to noncurrent loans | 64.8243% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 3.4738% | 1,710 |
| Noncurrent loans to loans | 4.7781% | 1,212 |
| Net loans and leases to total assets | 70.4503% | 1,942 |
| Net loans and leases to deposits | 79.4607% | 2,620 |
| Net loans and leases to core deposits | 90.6845% | 2,023 |
| Total domestic deposits to total assets | 88.6605% | 1,744 |
| Equity capital to assets | 9.7223% | 4,559 |
| Core capital (leverage) ratio | 9.3991% | 4,184 |
| Tier 1 risk-based capital ratio | 12.1591% | 5,718 |
| Total risk-based capital ratio | 13.4296% | 5,681 |
| Memoranda: | ||
| Average total assets | $191,262,200 | 3,169 |
| Average earning assets | $170,454,200 | 3,240 |
| Average equity | $17,970,800 | 3,426 |
| Average total loans | $137,389,400 | 2,847 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7252% | 814 |
| Cost of funding earning assets | 1.1909% | 2,377 |
| Net interest margin | 4.5343% | 1,077 |
| Noninterest income to average assets | 0.8674% | 1,761 |
| Noninterest expense to average assets | 3.4206% | 2,138 |
| Loan and lease loss provision to assets | 1.1215% | 722 |
| Net operating income to assets | 0.2735% | 5,492 |
| Return on assets (ROA) | 0.2735% | 5,654 |
| Pretax return on assets | 0.3766% | 5,536 |
| Return on Equity (ROE) | 2.9349% | 5,451 |
| Retained earnings to average equity (ytd only) | 0.5721% | 5,785 |
| Net charge-offs to loans | 0.4630% | 2,882 |
| Credit loss provision to net charge-offs | 338.2046% | 835 |
| Earnings coverage of net charge-offs (x) | 4.5177% | 3,042 |
| Efficiency ratio | 69.4863% | 4,042 |
| Assets per employee ($millions) | 4.8319% | 2,427 |
| Cash dividends to net income (ytd only)* | 80.5070% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1491% | 765 |
| Loan loss allowance to noncurrent loans | 70.7959% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 3.9483% | 1,554 |
| Noncurrent loans to loans | 4.4482% | 1,451 |
| Net loans and leases to total assets | 67.6604% | 2,546 |
| Net loans and leases to deposits | 76.5256% | 3,243 |
| Net loans and leases to core deposits | 87.6210% | 2,542 |
| Total domestic deposits to total assets | 88.4154% | 1,802 |
| Equity capital to assets | 9.1932% | 5,522 |
| Core capital (leverage) ratio | 9.0732% | 4,819 |
| Tier 1 risk-based capital ratio | 11.8964% | 5,965 |
| Total risk-based capital ratio | 13.1668% | 5,931 |
| Memoranda: | ||
| Average total assets | $192,594,250 | 3,168 |
| Average earning assets | $172,076,000 | 3,217 |
| Average equity | $17,944,250 | 3,433 |
| Average total loans | $137,942,250 | 2,857 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7322% | 828 |
| Cost of funding earning assets | 1.2204% | 2,438 |
| Net interest margin | 4.5119% | 1,108 |
| Noninterest income to average assets | 0.9378% | 1,499 |
| Noninterest expense to average assets | 3.4320% | 2,176 |
| Loan and lease loss provision to assets | 0.2287% | 3,628 |
| Net operating income to assets | 0.8037% | 3,058 |
| Return on assets (ROA) | 0.8037% | 3,183 |
| Pretax return on assets | 1.3245% | 2,062 |
| Return on Equity (ROE) | 8.5875% | 2,683 |
| Retained earnings to average equity (ytd only) | 6.6656% | 2,040 |
| Net charge-offs to loans | 0.2750% | 3,512 |
| Credit loss provision to net charge-offs | 115.1832% | 2,659 |
| Earnings coverage of net charge-offs (x) | 7.8220% | 2,160 |
| Efficiency ratio | 68.7591% | 4,378 |
| Assets per employee ($millions) | 5.3758% | 1,685 |
| Cash dividends to net income (ytd only)* | 22.3803% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2922% | 1,756 |
| Loan loss allowance to noncurrent loans | 52.1335% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 3.9519% | 1,629 |
| Noncurrent loans to loans | 4.3968% | 1,529 |
| Net loans and leases to total assets | 69.1614% | 2,383 |
| Net loans and leases to deposits | 78.5878% | 3,025 |
| Net loans and leases to core deposits | 90.3144% | 2,332 |
| Total domestic deposits to total assets | 88.0053% | 2,134 |
| Equity capital to assets | 9.4581% | 4,875 |
| Core capital (leverage) ratio | 9.4325% | 4,057 |
| Tier 1 risk-based capital ratio | 12.0694% | 5,730 |
| Total risk-based capital ratio | 13.3299% | 5,689 |
| Memoranda: | ||
| Average total assets | $192,367,670 | 3,193 |
| Average earning assets | $172,567,670 | 3,233 |
| Average equity | $18,003,000 | 3,416 |
| Average total loans | $138,915,670 | 2,869 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7638% | 786 |
| Cost of funding earning assets | 1.2211% | 2,676 |
| Net interest margin | 4.5426% | 977 |
| Noninterest income to average assets | 0.9448% | 1,490 |
| Noninterest expense to average assets | 3.3537% | 2,398 |
| Loan and lease loss provision to assets | 0.2294% | 3,359 |
| Net operating income to assets | 0.8655% | 2,722 |
| Return on assets (ROA) | 0.8655% | 2,778 |
| Pretax return on assets | 1.4349% | 1,636 |
| Return on Equity (ROE) | 9.2984% | 2,349 |
| Retained earnings to average equity (ytd only) | 8.1781% | 1,670 |
| Net charge-offs to loans | 0.5633% | 2,079 |
| Credit loss provision to net charge-offs | 55.8376% | 3,630 |
| Earnings coverage of net charge-offs (x) | 4.0508% | 2,571 |
| Efficiency ratio | 66.6667% | 4,911 |
| Assets per employee ($millions) | 5.0792% | 2,053 |
| Cash dividends to net income (ytd only)* | 12.0482% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1372% | 2,104 |
| Loan loss allowance to noncurrent loans | 46.7244% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 3.8670% | 1,728 |
| Noncurrent loans to loans | 4.5740% | 1,521 |
| Net loans and leases to total assets | 69.9033% | 2,146 |
| Net loans and leases to deposits | 79.0431% | 2,883 |
| Net loans and leases to core deposits | 91.1497% | 2,221 |
| Total domestic deposits to total assets | 88.4370% | 2,115 |
| Equity capital to assets | 9.0980% | 5,056 |
| Core capital (leverage) ratio | 9.3885% | 3,981 |
| Tier 1 risk-based capital ratio | 11.6684% | 5,963 |
| Total risk-based capital ratio | 12.9277% | 5,948 |
| Memoranda: | ||
| Average total assets | $191,788,000 | 3,223 |
| Average earning assets | $171,970,500 | 3,272 |
| Average equity | $17,852,500 | 3,419 |
| Average total loans | $139,880,500 | 2,892 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5750% | 290 |
| Cost of funding earning assets | 1.4825% | 2,747 |
| Net interest margin | 5.0925% | 363 |
| Noninterest income to average assets | 1.0461% | 1,367 |
| Noninterest expense to average assets | 3.4753% | 2,240 |
| Loan and lease loss provision to assets | 0.6538% | 2,524 |
| Net operating income to assets | 0.9372% | 2,249 |
| Return on assets (ROA) | 0.9372% | 2,379 |
| Pretax return on assets | 1.4652% | 1,467 |
| Return on Equity (ROE) | 10.3403% | 1,802 |
| Retained earnings to average equity (ytd only) | 9.1331% | 672 |
| Net charge-offs to loans | 0.2390% | 4,853 |
| Credit loss provision to net charge-offs | 350.4399% | 734 |
| Earnings coverage of net charge-offs (x) | 11.3578% | 1,618 |
| Efficiency ratio | 61.6724% | 5,783 |
| Assets per employee ($millions) | 4.7561% | 2,475 |
| Cash dividends to net income (ytd only)* | 11.6754% | 3,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2500% | 1,775 |
| Loan loss allowance to noncurrent loans | 117.9303% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 2.0627% | 3,270 |
| Noncurrent loans to loans | 1.9079% | 3,676 |
| Net loans and leases to total assets | 72.8651% | 1,909 |
| Net loans and leases to deposits | 83.1576% | 2,593 |
| Net loans and leases to core deposits | 94.5954% | 2,183 |
| Total domestic deposits to total assets | 87.6229% | 2,466 |
| Equity capital to assets | 9.5332% | 4,364 |
| Core capital (leverage) ratio | 9.3566% | 3,913 |
| Tier 1 risk-based capital ratio | 11.6947% | 5,734 |
| Total risk-based capital ratio | 12.9554% | 5,726 |
| Memoranda: | ||
| Average total assets | $182,775,200 | 3,334 |
| Average earning assets | $163,240,600 | 3,390 |
| Average equity | $16,566,200 | 3,666 |
| Average total loans | $142,663,400 | 2,890 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7077% | 238 |
| Cost of funding earning assets | 1.5322% | 2,759 |
| Net interest margin | 5.1755% | 312 |
| Noninterest income to average assets | 1.0624% | 1,273 |
| Noninterest expense to average assets | 3.5921% | 1,816 |
| Loan and lease loss provision to assets | 0.3690% | 3,687 |
| Net operating income to assets | 1.0243% | 2,158 |
| Return on assets (ROA) | 1.0243% | 2,264 |
| Pretax return on assets | 1.7163% | 1,083 |
| Return on Equity (ROE) | 11.4526% | 1,661 |
| Retained earnings to average equity (ytd only) | 9.8154% | 841 |
| Net charge-offs to loans | 0.2829% | 4,247 |
| Credit loss provision to net charge-offs | 165.2459% | 2,269 |
| Earnings coverage of net charge-offs (x) | 9.3376% | 2,037 |
| Efficiency ratio | 62.8321% | 5,460 |
| Assets per employee ($millions) | 4.6960% | 2,603 |
| Cash dividends to net income (ytd only)* | 14.2959% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7557% | 2,955 |
| Loan loss allowance to noncurrent loans | 111.7888% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 1.8021% | 3,745 |
| Noncurrent loans to loans | 1.5706% | 4,283 |
| Net loans and leases to total assets | 73.1624% | 1,984 |
| Net loans and leases to deposits | 82.8245% | 2,946 |
| Net loans and leases to core deposits | 94.5504% | 2,446 |
| Total domestic deposits to total assets | 88.3343% | 1,772 |
| Equity capital to assets | 8.9938% | 5,593 |
| Core capital (leverage) ratio | 8.9094% | 4,835 |
| Tier 1 risk-based capital ratio | 10.9457% | 6,428 |
| Total risk-based capital ratio | 12.2002% | 6,410 |
| Memoranda: | ||
| Average total assets | $182,097,000 | 3,393 |
| Average earning assets | $162,376,750 | 3,456 |
| Average equity | $16,287,000 | 3,754 |
| Average total loans | $143,762,500 | 2,912 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8293% | 194 |
| Cost of funding earning assets | 1.5746% | 2,802 |
| Net interest margin | 5.2546% | 264 |
| Noninterest income to average assets | 1.1033% | 1,086 |
| Noninterest expense to average assets | 3.6741% | 1,611 |
| Loan and lease loss provision to assets | 0.2497% | 4,425 |
| Net operating income to assets | 1.1011% | 1,851 |
| Return on assets (ROA) | 1.1011% | 1,921 |
| Pretax return on assets | 1.8614% | 794 |
| Return on Equity (ROE) | 12.3347% | 1,375 |
| Retained earnings to average equity (ytd only) | 9.8479% | 879 |
| Net charge-offs to loans | 0.2427% | 4,143 |
| Credit loss provision to net charge-offs | 127.8409% | 3,145 |
| Earnings coverage of net charge-offs (x) | 10.8068% | 1,837 |
| Efficiency ratio | 63.0660% | 5,506 |
| Assets per employee ($millions) | 4.6461% | 2,656 |
| Cash dividends to net income (ytd only)* | 20.1613% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5804% | 3,532 |
| Loan loss allowance to noncurrent loans | 204.0708% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 1.2473% | 4,653 |
| Noncurrent loans to loans | 0.7744% | 5,723 |
| Net loans and leases to total assets | 77.2732% | 1,237 |
| Net loans and leases to deposits | 87.3654% | 2,282 |
| Net loans and leases to core deposits | 101.4977% | 1,866 |
| Total domestic deposits to total assets | 88.4483% | 1,760 |
| Equity capital to assets | 8.8758% | 5,633 |
| Core capital (leverage) ratio | 8.9914% | 4,616 |
| Tier 1 risk-based capital ratio | 10.2656% | 6,863 |
| Total risk-based capital ratio | 11.5182% | 6,843 |
| Memoranda: | ||
| Average total assets | $180,182,330 | 3,441 |
| Average earning assets | $160,544,000 | 3,505 |
| Average equity | $16,084,670 | 3,783 |
| Average total loans | $145,055,000 | 2,923 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9638% | 182 |
| Cost of funding earning assets | 1.6227% | 2,815 |
| Net interest margin | 5.3411% | 227 |
| Noninterest income to average assets | 1.1638% | 911 |
| Noninterest expense to average assets | 3.9289% | 1,129 |
| Loan and lease loss provision to assets | 0.2143% | 4,370 |
| Net operating income to assets | 1.0916% | 1,856 |
| Return on assets (ROA) | 1.0916% | 1,937 |
| Pretax return on assets | 1.7570% | 962 |
| Return on Equity (ROE) | 12.1918% | 1,444 |
| Retained earnings to average equity (ytd only) | 10.9323% | 933 |
| Net charge-offs to loans | 0.4093% | 2,816 |
| Credit loss provision to net charge-offs | 64.1892% | 4,222 |
| Earnings coverage of net charge-offs (x) | 5.9054% | 2,314 |
| Efficiency ratio | 66.1697% | 5,082 |
| Assets per employee ($millions) | 4.7224% | 2,611 |
| Cash dividends to net income (ytd only)* | 10.3306% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5344% | 3,726 |
| Loan loss allowance to noncurrent loans | 187.2557% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 1.3179% | 4,558 |
| Noncurrent loans to loans | 0.8194% | 5,676 |
| Net loans and leases to total assets | 78.8147% | 1,006 |
| Net loans and leases to deposits | 89.9158% | 1,916 |
| Net loans and leases to core deposits | 113.6538% | 1,056 |
| Total domestic deposits to total assets | 87.6539% | 2,259 |
| Equity capital to assets | 8.9735% | 5,318 |
| Core capital (leverage) ratio | 9.0999% | 4,374 |
| Tier 1 risk-based capital ratio | 10.4016% | 6,718 |
| Total risk-based capital ratio | 11.6538% | 6,712 |
| Memoranda: | ||
| Average total assets | $177,352,500 | 3,536 |
| Average earning assets | $157,270,500 | 3,622 |
| Average equity | $15,879,500 | 3,851 |
| Average total loans | $144,626,500 | 2,990 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9405% | 304 |
| Cost of funding earning assets | 2.1724% | 2,148 |
| Net interest margin | 4.7681% | 742 |
| Noninterest income to average assets | 1.1533% | 1,159 |
| Noninterest expense to average assets | 3.4450% | 2,541 |
| Loan and lease loss provision to assets | 0.3378% | 4,775 |
| Net operating income to assets | 1.1073% | 1,492 |
| Return on assets (ROA) | 1.1073% | 1,525 |
| Pretax return on assets | 1.6615% | 849 |
| Return on Equity (ROE) | 13.2003% | 915 |
| Retained earnings to average equity (ytd only) | 11.8281% | 222 |
| Net charge-offs to loans | 0.1802% | 5,517 |
| Credit loss provision to net charge-offs | 232.9365% | 1,567 |
| Earnings coverage of net charge-offs (x) | 13.7857% | 1,405 |
| Efficiency ratio | 62.7907% | 6,001 |
| Assets per employee ($millions) | 4.6120% | 2,742 |
| Cash dividends to net income (ytd only)* | 10.3950% | 3,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 3,477 |
| Loan loss allowance to noncurrent loans | 80.7225% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.5954% | 3,983 |
| Noncurrent loans to loans | 1.9201% | 3,772 |
| Net loans and leases to total assets | 81.8002% | 716 |
| Net loans and leases to deposits | 92.5124% | 1,816 |
| Net loans and leases to core deposits | 127.5697% | 1,413 |
| Total domestic deposits to total assets | 88.4209% | 1,760 |
| Equity capital to assets | 8.9333% | 5,244 |
| Core capital (leverage) ratio | 8.6294% | 5,054 |
| Tier 1 risk-based capital ratio | 10.0529% | 6,821 |
| Total risk-based capital ratio | 11.3057% | 6,791 |
| Memoranda: | ||
| Average total assets | $173,757,200 | 3,542 |
| Average earning assets | $156,373,000 | 3,587 |
| Average equity | $14,575,400 | 4,131 |
| Average total loans | $139,872,400 | 3,088 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8272% | 398 |
| Cost of funding earning assets | 2.2564% | 2,165 |
| Net interest margin | 4.5708% | 1,038 |
| Noninterest income to average assets | 1.1673% | 1,155 |
| Noninterest expense to average assets | 3.3228% | 2,829 |
| Loan and lease loss provision to assets | 0.3307% | 4,358 |
| Net operating income to assets | 0.9320% | 2,301 |
| Return on assets (ROA) | 0.9320% | 2,366 |
| Pretax return on assets | 1.6372% | 1,098 |
| Return on Equity (ROE) | 11.2963% | 1,547 |
| Retained earnings to average equity (ytd only) | 9.8982% | 655 |
| Net charge-offs to loans | 0.2340% | 4,591 |
| Credit loss provision to net charge-offs | 176.9547% | 2,607 |
| Earnings coverage of net charge-offs (x) | 10.5309% | 1,954 |
| Efficiency ratio | 62.3110% | 6,055 |
| Assets per employee ($millions) | 4.9579% | 2,200 |
| Cash dividends to net income (ytd only)* | 12.3765% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 3,493 |
| Loan loss allowance to noncurrent loans | 73.8445% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.5569% | 4,030 |
| Noncurrent loans to loans | 2.0180% | 3,615 |
| Net loans and leases to total assets | 76.0022% | 1,994 |
| Net loans and leases to deposits | 85.3599% | 3,438 |
| Net loans and leases to core deposits | 114.9098% | 2,736 |
| Total domestic deposits to total assets | 89.0374% | 1,177 |
| Equity capital to assets | 8.1901% | 6,651 |
| Core capital (leverage) ratio | 8.2654% | 5,892 |
| Tier 1 risk-based capital ratio | 9.8402% | 7,100 |
| Total risk-based capital ratio | 11.0924% | 7,062 |
| Memoranda: | ||
| Average total assets | $173,382,750 | 3,568 |
| Average earning assets | $156,409,750 | 3,611 |
| Average equity | $14,305,250 | 4,227 |
| Average total loans | $138,436,500 | 3,147 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9454% | 353 |
| Cost of funding earning assets | 2.3112% | 2,310 |
| Net interest margin | 4.6342% | 899 |
| Noninterest income to average assets | 1.1751% | 1,132 |
| Noninterest expense to average assets | 3.4335% | 2,527 |
| Loan and lease loss provision to assets | 0.4058% | 3,492 |
| Net operating income to assets | 0.8210% | 2,773 |
| Return on assets (ROA) | 0.8210% | 2,869 |
| Pretax return on assets | 1.5009% | 1,434 |
| Return on Equity (ROE) | 9.9249% | 2,046 |
| Retained earnings to average equity (ytd only) | 8.5030% | 1,066 |
| Net charge-offs to loans | 0.3377% | 3,490 |
| Credit loss provision to net charge-offs | 148.7069% | 3,106 |
| Earnings coverage of net charge-offs (x) | 6.9871% | 2,517 |
| Efficiency ratio | 63.7885% | 5,954 |
| Assets per employee ($millions) | 4.6751% | 2,494 |
| Cash dividends to net income (ytd only)* | 14.3266% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 3,349 |
| Loan loss allowance to noncurrent loans | 51.4669% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 2.2858% | 2,848 |
| Noncurrent loans to loans | 2.8572% | 2,519 |
| Net loans and leases to total assets | 78.8268% | 1,567 |
| Net loans and leases to deposits | 88.9035% | 3,014 |
| Net loans and leases to core deposits | 122.6935% | 2,140 |
| Total domestic deposits to total assets | 88.6656% | 1,452 |
| Equity capital to assets | 8.3964% | 6,200 |
| Core capital (leverage) ratio | 8.2978% | 5,800 |
| Tier 1 risk-based capital ratio | 9.7659% | 7,171 |
| Total risk-based capital ratio | 11.0179% | 7,112 |
| Memoranda: | ||
| Average total assets | $170,029,670 | 3,638 |
| Average earning assets | $152,821,000 | 3,689 |
| Average equity | $14,065,670 | 4,294 |
| Average total loans | $137,405,670 | 3,201 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1112% | 286 |
| Cost of funding earning assets | 2.3201% | 2,619 |
| Net interest margin | 4.7911% | 624 |
| Noninterest income to average assets | 1.1510% | 1,115 |
| Noninterest expense to average assets | 3.3817% | 2,412 |
| Loan and lease loss provision to assets | 0.4034% | 2,907 |
| Net operating income to assets | 0.8804% | 2,789 |
| Return on assets (ROA) | 0.8804% | 2,933 |
| Pretax return on assets | 1.6588% | 1,269 |
| Return on Equity (ROE) | 10.7253% | 2,056 |
| Retained earnings to average equity (ytd only) | 9.2798% | 1,404 |
| Net charge-offs to loans | 0.3652% | 2,636 |
| Credit loss provision to net charge-offs | 136.0000% | 2,988 |
| Earnings coverage of net charge-offs (x) | 6.9520% | 2,409 |
| Efficiency ratio | 61.5955% | 6,131 |
| Assets per employee ($millions) | 4.6829% | 2,460 |
| Cash dividends to net income (ytd only)* | 13.4771% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 3,276 |
| Loan loss allowance to noncurrent loans | 155.9873% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.7278% | 5,339 |
| Noncurrent loans to loans | 0.9242% | 5,155 |
| Net loans and leases to total assets | 77.6126% | 1,912 |
| Net loans and leases to deposits | 87.4209% | 3,396 |
| Net loans and leases to core deposits | 117.7444% | 2,624 |
| Total domestic deposits to total assets | 88.7803% | 1,346 |
| Equity capital to assets | 8.0800% | 6,700 |
| Core capital (leverage) ratio | 8.3043% | 5,894 |
| Tier 1 risk-based capital ratio | 9.3978% | 7,511 |
| Total risk-based capital ratio | 10.6489% | 7,464 |
| Memoranda: | ||
| Average total assets | $168,555,500 | 3,675 |
| Average earning assets | $151,030,000 | 3,733 |
| Average equity | $13,836,500 | 4,376 |
| Average total loans | $136,914,500 | 3,230 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7883% | 251 |
| Cost of funding earning assets | 2.6789% | 3,262 |
| Net interest margin | 5.1093% | 397 |
| Noninterest income to average assets | 1.2167% | 1,005 |
| Noninterest expense to average assets | 3.4895% | 2,423 |
| Loan and lease loss provision to assets | 0.4707% | 2,947 |
| Net operating income to assets | 1.1021% | 2,136 |
| Return on assets (ROA) | 1.1021% | 2,053 |
| Pretax return on assets | 1.8061% | 930 |
| Return on Equity (ROE) | 12.9302% | 1,345 |
| Retained earnings to average equity (ytd only) | 11.2875% | 289 |
| Net charge-offs to loans | 0.0426% | 6,180 |
| Credit loss provision to net charge-offs | 1,332.0755% | 339 |
| Earnings coverage of net charge-offs (x) | 64.4340% | 631 |
| Efficiency ratio | 59.9838% | 6,342 |
| Assets per employee ($millions) | 4.0961% | 3,316 |
| Cash dividends to net income (ytd only)* | 12.7042% | 4,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 3,204 |
| Loan loss allowance to noncurrent loans | 4,004.1667% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 7,475 |
| Noncurrent loans to loans | 0.0349% | 7,366 |
| Net loans and leases to total assets | 82.6780% | 1,105 |
| Net loans and leases to deposits | 94.7247% | 2,656 |
| Net loans and leases to core deposits | 122.5810% | 2,442 |
| Total domestic deposits to total assets | 87.2824% | 1,804 |
| Equity capital to assets | 8.3451% | 6,351 |
| Core capital (leverage) ratio | 8.5397% | 5,503 |
| Tier 1 risk-based capital ratio | 9.2800% | 7,542 |
| Total risk-based capital ratio | 10.5322% | 7,465 |
| Memoranda: | ||
| Average total assets | $149,992,400 | 3,899 |
| Average earning assets | $133,560,000 | 3,980 |
| Average equity | $12,784,000 | 4,627 |
| Average total loans | $124,385,400 | 3,368 |