Home > Mound City Bank > Performance and Condition Ratios
Mound City 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 | 4.3072% | 3,432 |
| Cost of funding earning assets | 1.6067% | 1,673 |
| Net interest margin | 2.7004% | 3,822 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.3184% | 2,803 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8237% | 2,793 |
| Return on assets (ROA) | 0.8176% | 2,794 |
| Pretax return on assets | 0.9983% | 2,696 |
| Return on Equity (ROE) | 7.4500% | 3,174 |
| Retained earnings to average equity (ytd only) | 5.8859% | 2,292 |
| Net charge-offs to loans | 0.0071% | 2,411 |
| Credit loss provision to net charge-offs | 176.9231% | 1,327 |
| Earnings coverage of net charge-offs (x) | 181.8077% | 623 |
| Efficiency ratio | 69.5366% | 1,946 |
| Assets per employee ($millions) | 6.2797% | 2,569 |
| Cash dividends to net income (ytd only)* | 21.0250% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 939 |
| Loan loss allowance to noncurrent loans | 38,940.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 3,815 |
| Noncurrent loans to loans | 0.0040% | 3,766 |
| Net loans and leases to total assets | 78.7600% | 789 |
| Net loans and leases to deposits | 90.5387% | 1,224 |
| Net loans and leases to core deposits | 97.2997% | 1,578 |
| Total domestic deposits to total assets | 86.9900% | 1,687 |
| Equity capital to assets | 11.3749% | 1,342 |
| Core capital (leverage) ratio | 12.5478% | 1,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0649% | 1,070 |
| Memoranda: | ||
| Average total assets | $465,414,000 | 1,810 |
| Average earning assets | $436,596,600 | 1,785 |
| Average equity | $51,054,400 | 1,585 |
| Average total loans | $365,667,800 | 1,558 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2436% | 3,390 |
| Cost of funding earning assets | 1.5226% | 1,550 |
| Net interest margin | 2.7209% | 3,853 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 2.2257% | 3,010 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8273% | 2,940 |
| Return on assets (ROA) | 0.8307% | 2,913 |
| Pretax return on assets | 1.0835% | 2,615 |
| Return on Equity (ROE) | 7.6400% | 3,282 |
| Retained earnings to average equity (ytd only) | 6.5865% | 2,437 |
| Net charge-offs to loans | 0.0029% | 2,424 |
| Credit loss provision to net charge-offs | 150.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 471.0000% | 323 |
| Efficiency ratio | 67.2746% | 2,102 |
| Assets per employee ($millions) | 6.3906% | 2,414 |
| Cash dividends to net income (ytd only)* | 13.8360% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 861 |
| Loan loss allowance to noncurrent loans | 44,807.6923% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 3,849 |
| Noncurrent loans to loans | 0.0036% | 3,790 |
| Net loans and leases to total assets | 77.1900% | 971 |
| Net loans and leases to deposits | 88.5518% | 1,338 |
| Net loans and leases to core deposits | 95.8702% | 1,555 |
| Total domestic deposits to total assets | 87.1700% | 1,835 |
| Equity capital to assets | 10.9584% | 1,358 |
| Core capital (leverage) ratio | 12.5363% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2446% | 1,059 |
| Memoranda: | ||
| Average total assets | $464,023,750 | 1,814 |
| Average earning assets | $435,377,750 | 1,788 |
| Average equity | $50,424,750 | 1,588 |
| Average total loans | $362,894,750 | 1,565 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1498% | 3,397 |
| Cost of funding earning assets | 1.4461% | 1,348 |
| Net interest margin | 2.7037% | 3,966 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.2045% | 3,058 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7986% | 3,085 |
| Return on assets (ROA) | 0.8295% | 2,998 |
| Pretax return on assets | 1.0986% | 2,652 |
| Return on Equity (ROE) | 7.6500% | 3,332 |
| Retained earnings to average equity (ytd only) | 6.4650% | 2,456 |
| Net charge-offs to loans | 0.0011% | 2,371 |
| Credit loss provision to net charge-offs | 250.0000% | 955 |
| Earnings coverage of net charge-offs (x) | 1,235.0000% | 120 |
| Efficiency ratio | 67.4957% | 2,048 |
| Assets per employee ($millions) | 6.4171% | 2,365 |
| Cash dividends to net income (ytd only)* | 15.5440% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6098% | 916 |
| Loan loss allowance to noncurrent loans | 605.4054% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 2,154 |
| Noncurrent loans to loans | 0.2659% | 2,208 |
| Net loans and leases to total assets | 77.0400% | 939 |
| Net loans and leases to deposits | 89.5311% | 1,221 |
| Net loans and leases to core deposits | 95.5737% | 1,486 |
| Total domestic deposits to total assets | 86.0500% | 2,212 |
| Equity capital to assets | 11.0934% | 1,354 |
| Core capital (leverage) ratio | 12.3220% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0086% | 1,125 |
| Memoranda: | ||
| Average total assets | $465,324,000 | 1,811 |
| Average earning assets | $437,176,000 | 1,792 |
| Average equity | $50,425,667 | 1,592 |
| Average total loans | $363,525,667 | 1,556 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0356% | 3,386 |
| Cost of funding earning assets | 1.3586% | 1,116 |
| Net interest margin | 2.6771% | 4,100 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.0318% | 3,554 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.8749% | 2,941 |
| Return on assets (ROA) | 0.9311% | 2,708 |
| Pretax return on assets | 1.2403% | 2,331 |
| Return on Equity (ROE) | 8.6900% | 3,135 |
| Retained earnings to average equity (ytd only) | 7.0944% | 2,467 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.3716% | 2,530 |
| Assets per employee ($millions) | 6.3298% | 2,473 |
| Cash dividends to net income (ytd only)* | 18.3993% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 982 |
| Loan loss allowance to noncurrent loans | 533.1199% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2365% | 1,933 |
| Noncurrent loans to loans | 0.3030% | 2,063 |
| Net loans and leases to total assets | 76.8100% | 892 |
| Net loans and leases to deposits | 90.2398% | 1,031 |
| Net loans and leases to core deposits | 95.7082% | 1,302 |
| Total domestic deposits to total assets | 85.1200% | 2,825 |
| Equity capital to assets | 11.0120% | 1,332 |
| Core capital (leverage) ratio | 11.9525% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8832% | 1,174 |
| Memoranda: | ||
| Average total assets | $466,970,000 | 1,829 |
| Average earning assets | $438,990,500 | 1,807 |
| Average equity | $50,011,000 | 1,611 |
| Average total loans | $364,391,000 | 1,565 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6117% | 2,768 |
| Cost of funding earning assets | 0.5329% | 1,203 |
| Net interest margin | 3.0788% | 3,231 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.2290% | 2,949 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0936% | 2,201 |
| Return on assets (ROA) | 1.0950% | 2,140 |
| Pretax return on assets | 1.4717% | 1,534 |
| Return on Equity (ROE) | 10.0100% | 2,799 |
| Retained earnings to average equity (ytd only) | 8.7314% | 1,557 |
| Net charge-offs to loans | 0.0044% | 2,284 |
| Credit loss provision to net charge-offs | 93.3333% | 1,612 |
| Earnings coverage of net charge-offs (x) | 442.6000% | 364 |
| Efficiency ratio | 60.2098% | 3,031 |
| Assets per employee ($millions) | 6.2915% | 2,521 |
| Cash dividends to net income (ytd only)* | 12.7660% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6496% | 882 |
| Loan loss allowance to noncurrent loans | 360.0830% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 1,431 |
| Noncurrent loans to loans | 0.4581% | 1,563 |
| Net loans and leases to total assets | 76.7100% | 931 |
| Net loans and leases to deposits | 91.5634% | 943 |
| Net loans and leases to core deposits | 97.7480% | 1,113 |
| Total domestic deposits to total assets | 83.7700% | 3,260 |
| Equity capital to assets | 10.4136% | 1,493 |
| Core capital (leverage) ratio | 12.1252% | 1,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3191% | 1,289 |
| Memoranda: | ||
| Average total assets | $450,691,800 | 1,853 |
| Average earning assets | $422,371,600 | 1,840 |
| Average equity | $49,304,800 | 1,639 |
| Average total loans | $337,220,600 | 1,581 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5415% | 2,486 |
| Cost of funding earning assets | 0.3788% | 1,454 |
| Net interest margin | 3.1627% | 2,737 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 2.1844% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1610% | 1,853 |
| Return on assets (ROA) | 1.1603% | 1,829 |
| Pretax return on assets | 1.5578% | 1,238 |
| Return on Equity (ROE) | 10.4700% | 2,584 |
| Retained earnings to average equity (ytd only) | 9.9322% | 1,361 |
| Net charge-offs to loans | 0.0045% | 2,031 |
| Credit loss provision to net charge-offs | 109.0909% | 1,279 |
| Earnings coverage of net charge-offs (x) | 474.4545% | 329 |
| Efficiency ratio | 58.3014% | 3,349 |
| Assets per employee ($millions) | 6.2387% | 2,543 |
| Cash dividends to net income (ytd only)* | 5.1600% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7531% | 798 |
| Loan loss allowance to noncurrent loans | 337.0144% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 1,349 |
| Noncurrent loans to loans | 0.5202% | 1,500 |
| Net loans and leases to total assets | 75.7700% | 927 |
| Net loans and leases to deposits | 90.3624% | 866 |
| Net loans and leases to core deposits | 94.3579% | 1,072 |
| Total domestic deposits to total assets | 83.8500% | 3,534 |
| Equity capital to assets | 10.6379% | 1,317 |
| Core capital (leverage) ratio | 12.2989% | 1,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6107% | 1,257 |
| Memoranda: | ||
| Average total assets | $445,399,250 | 1,877 |
| Average earning assets | $417,064,250 | 1,864 |
| Average equity | $49,346,500 | 1,661 |
| Average total loans | $329,520,000 | 1,603 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4339% | 2,341 |
| Cost of funding earning assets | 0.3144% | 1,580 |
| Net interest margin | 3.1194% | 2,474 |
| Noninterest income to average assets | 0.8218% | 998 |
| Noninterest expense to average assets | 2.0732% | 3,224 |
| Loan and lease loss provision to assets | 0.0041% | 2,535 |
| Net operating income to assets | 1.2382% | 1,305 |
| Return on assets (ROA) | 1.2411% | 1,290 |
| Pretax return on assets | 1.6698% | 805 |
| Return on Equity (ROE) | 11.0533% | 1,963 |
| Retained earnings to average equity (ytd only) | 10.6523% | 859 |
| Net charge-offs to loans | 0.0062% | 1,775 |
| Credit loss provision to net charge-offs | 90.0000% | 1,343 |
| Earnings coverage of net charge-offs (x) | 370.9000% | 339 |
| Efficiency ratio | 55.3831% | 3,839 |
| Assets per employee ($millions) | 5.8582% | 2,866 |
| Cash dividends to net income (ytd only)* | 3.6284% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8562% | 729 |
| Loan loss allowance to noncurrent loans | 498.0312% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 1,921 |
| Noncurrent loans to loans | 0.3727% | 2,029 |
| Net loans and leases to total assets | 73.0578% | 999 |
| Net loans and leases to deposits | 83.7516% | 1,140 |
| Net loans and leases to core deposits | 87.3546% | 1,251 |
| Total domestic deposits to total assets | 87.2315% | 2,856 |
| Equity capital to assets | 11.0688% | 1,177 |
| Core capital (leverage) ratio | 12.1714% | 1,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6910% | 1,257 |
| Memoranda: | ||
| Average total assets | $444,136,333 | 1,890 |
| Average earning assets | $415,974,667 | 1,897 |
| Average equity | $49,867,333 | 1,686 |
| Average total loans | $323,885,667 | 1,621 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3333% | 2,285 |
| Cost of funding earning assets | 0.3144% | 1,520 |
| Net interest margin | 3.0190% | 2,442 |
| Noninterest income to average assets | 0.8465% | 941 |
| Noninterest expense to average assets | 2.0272% | 3,361 |
| Loan and lease loss provision to assets | 0.0072% | 2,183 |
| Net operating income to assets | 1.2127% | 1,218 |
| Return on assets (ROA) | 1.2255% | 1,165 |
| Pretax return on assets | 1.6501% | 758 |
| Return on Equity (ROE) | 10.8389% | 1,666 |
| Retained earnings to average equity (ytd only) | 10.8389% | 813 |
| Net charge-offs to loans | 0.0124% | 1,313 |
| Credit loss provision to net charge-offs | 80.0000% | 1,113 |
| Earnings coverage of net charge-offs (x) | 183.2000% | 460 |
| Efficiency ratio | 55.2625% | 3,940 |
| Assets per employee ($millions) | 5.9931% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 773 |
| Loan loss allowance to noncurrent loans | 431.7212% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 1,855 |
| Noncurrent loans to loans | 0.4353% | 1,939 |
| Net loans and leases to total assets | 71.4674% | 877 |
| Net loans and leases to deposits | 81.9442% | 1,016 |
| Net loans and leases to core deposits | 85.6063% | 1,155 |
| Total domestic deposits to total assets | 87.2147% | 2,849 |
| Equity capital to assets | 11.1494% | 1,264 |
| Core capital (leverage) ratio | 11.7261% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1471% | 1,225 |
| Memoranda: | ||
| Average total assets | $446,523,500 | 1,892 |
| Average earning assets | $417,359,500 | 1,897 |
| Average equity | $50,485,000 | 1,727 |
| Average total loans | $322,299,000 | 1,613 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7895% | 1,900 |
| Cost of funding earning assets | 0.4590% | 1,136 |
| Net interest margin | 3.3304% | 2,236 |
| Noninterest income to average assets | 1.1395% | 807 |
| Noninterest expense to average assets | 2.5427% | 2,051 |
| Loan and lease loss provision to assets | 0.0719% | 1,658 |
| Net operating income to assets | 1.2188% | 1,862 |
| Return on assets (ROA) | 1.2487% | 1,807 |
| Pretax return on assets | 1.6946% | 1,161 |
| Return on Equity (ROE) | 10.8619% | 2,210 |
| Retained earnings to average equity (ytd only) | 9.9603% | 927 |
| Net charge-offs to loans | 0.0159% | 1,989 |
| Credit loss provision to net charge-offs | 636.7347% | 698 |
| Earnings coverage of net charge-offs (x) | 153.1633% | 651 |
| Efficiency ratio | 59.5287% | 3,225 |
| Assets per employee ($millions) | 6.1584% | 2,601 |
| Cash dividends to net income (ytd only)* | 8.3011% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8882% | 744 |
| Loan loss allowance to noncurrent loans | 422.2531% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 1,959 |
| Noncurrent loans to loans | 0.4472% | 2,017 |
| Net loans and leases to total assets | 70.1814% | 1,024 |
| Net loans and leases to deposits | 80.7570% | 1,154 |
| Net loans and leases to core deposits | 85.4776% | 1,233 |
| Total domestic deposits to total assets | 86.9043% | 2,559 |
| Equity capital to assets | 11.4610% | 1,527 |
| Core capital (leverage) ratio | 11.4953% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0393% | 1,258 |
| Memoranda: | ||
| Average total assets | $434,145,200 | 1,884 |
| Average earning assets | $408,265,000 | 1,876 |
| Average equity | $49,908,200 | 1,768 |
| Average total loans | $308,307,200 | 1,670 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8342% | 1,944 |
| Cost of funding earning assets | 0.4789% | 1,166 |
| Net interest margin | 3.3553% | 2,281 |
| Noninterest income to average assets | 1.1223% | 904 |
| Noninterest expense to average assets | 2.3125% | 2,716 |
| Loan and lease loss provision to assets | 0.0939% | 1,272 |
| Net operating income to assets | 1.3875% | 1,582 |
| Return on assets (ROA) | 1.4247% | 1,526 |
| Pretax return on assets | 1.9214% | 911 |
| Return on Equity (ROE) | 12.3838% | 1,907 |
| Retained earnings to average equity (ytd only) | 11.8452% | 868 |
| Net charge-offs to loans | 0.0166% | 1,732 |
| Credit loss provision to net charge-offs | 797.3684% | 594 |
| Earnings coverage of net charge-offs (x) | 167.1579% | 630 |
| Efficiency ratio | 54.0210% | 3,811 |
| Assets per employee ($millions) | 5.9014% | 2,788 |
| Cash dividends to net income (ytd only)* | 4.3497% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9348% | 722 |
| Loan loss allowance to noncurrent loans | 400.1318% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 2,045 |
| Noncurrent loans to loans | 0.4835% | 2,103 |
| Net loans and leases to total assets | 70.4965% | 1,035 |
| Net loans and leases to deposits | 83.1151% | 1,021 |
| Net loans and leases to core deposits | 88.1446% | 1,142 |
| Total domestic deposits to total assets | 84.8180% | 3,175 |
| Equity capital to assets | 11.7259% | 1,532 |
| Core capital (leverage) ratio | 11.4864% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3735% | 1,273 |
| Memoranda: | ||
| Average total assets | $430,291,250 | 1,913 |
| Average earning assets | $405,044,250 | 1,900 |
| Average equity | $49,504,250 | 1,793 |
| Average total loans | $304,989,000 | 1,713 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8387% | 1,974 |
| Cost of funding earning assets | 0.4993% | 1,208 |
| Net interest margin | 3.3394% | 2,332 |
| Noninterest income to average assets | 1.1809% | 822 |
| Noninterest expense to average assets | 2.0983% | 3,397 |
| Loan and lease loss provision to assets | 0.0948% | 1,320 |
| Net operating income to assets | 1.6189% | 1,014 |
| Return on assets (ROA) | 1.6728% | 964 |
| Pretax return on assets | 2.1992% | 574 |
| Return on Equity (ROE) | 14.6352% | 1,251 |
| Retained earnings to average equity (ytd only) | 14.2266% | 515 |
| Net charge-offs to loans | 0.0159% | 1,629 |
| Credit loss provision to net charge-offs | 845.8333% | 518 |
| Earnings coverage of net charge-offs (x) | 198.5417% | 498 |
| Efficiency ratio | 48.5254% | 4,351 |
| Assets per employee ($millions) | 5.8071% | 2,802 |
| Cash dividends to net income (ytd only)* | 2.7925% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9622% | 652 |
| Loan loss allowance to noncurrent loans | 336.2156% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.4089% | 1,973 |
| Noncurrent loans to loans | 0.5836% | 1,942 |
| Net loans and leases to total assets | 68.6937% | 1,364 |
| Net loans and leases to deposits | 80.9085% | 1,337 |
| Net loans and leases to core deposits | 85.6572% | 1,444 |
| Total domestic deposits to total assets | 84.9030% | 3,136 |
| Equity capital to assets | 11.5974% | 1,572 |
| Core capital (leverage) ratio | 11.5559% | 1,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9016% | 1,147 |
| Memoranda: | ||
| Average total assets | $428,154,667 | 1,917 |
| Average earning assets | $403,003,667 | 1,900 |
| Average equity | $48,936,667 | 1,803 |
| Average total loans | $302,007,667 | 1,735 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6166% | 2,591 |
| Cost of funding earning assets | 0.5387% | 1,170 |
| Net interest margin | 3.0779% | 3,063 |
| Noninterest income to average assets | 1.3457% | 721 |
| Noninterest expense to average assets | 2.0270% | 3,639 |
| Loan and lease loss provision to assets | 0.0914% | 1,459 |
| Net operating income to assets | 1.5636% | 1,193 |
| Return on assets (ROA) | 1.6708% | 1,039 |
| Pretax return on assets | 2.2598% | 627 |
| Return on Equity (ROE) | 14.7290% | 1,272 |
| Retained earnings to average equity (ytd only) | 14.7290% | 655 |
| Net charge-offs to loans | 0.0280% | 1,212 |
| Credit loss provision to net charge-offs | 461.9048% | 610 |
| Earnings coverage of net charge-offs (x) | 111.9524% | 571 |
| Efficiency ratio | 47.7788% | 4,355 |
| Assets per employee ($millions) | 5.9550% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 693 |
| Loan loss allowance to noncurrent loans | 198.6163% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.6911% | 1,361 |
| Noncurrent loans to loans | 0.9743% | 1,388 |
| Net loans and leases to total assets | 69.5586% | 1,349 |
| Net loans and leases to deposits | 81.5124% | 1,376 |
| Net loans and leases to core deposits | 87.8311% | 1,384 |
| Total domestic deposits to total assets | 85.3350% | 2,983 |
| Equity capital to assets | 11.3431% | 1,629 |
| Core capital (leverage) ratio | 11.2346% | 1,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4390% | 1,185 |
| Memoranda: | ||
| Average total assets | $424,467,500 | 1,919 |
| Average earning assets | $399,491,000 | 1,907 |
| Average equity | $48,150,000 | 1,814 |
| Average total loans | $300,427,000 | 1,747 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 2,954 |
| Cost of funding earning assets | 0.8214% | 1,125 |
| Net interest margin | 3.1036% | 3,618 |
| Noninterest income to average assets | 1.8726% | 366 |
| Noninterest expense to average assets | 2.8925% | 1,705 |
| Loan and lease loss provision to assets | 0.2437% | 1,592 |
| Net operating income to assets | 1.2342% | 1,433 |
| Return on assets (ROA) | 1.2286% | 1,560 |
| Pretax return on assets | 1.6536% | 948 |
| Return on Equity (ROE) | 10.9772% | 1,633 |
| Retained earnings to average equity (ytd only) | 10.0284% | 583 |
| Net charge-offs to loans | 0.0174% | 2,742 |
| Credit loss provision to net charge-offs | 1,935.2941% | 452 |
| Earnings coverage of net charge-offs (x) | 151.2157% | 568 |
| Efficiency ratio | 60.2986% | 3,411 |
| Assets per employee ($millions) | 6.0025% | 2,333 |
| Cash dividends to net income (ytd only)* | 8.6432% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9577% | 639 |
| Loan loss allowance to noncurrent loans | 179.8452% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.7687% | 1,338 |
| Noncurrent loans to loans | 1.0885% | 1,299 |
| Net loans and leases to total assets | 69.2379% | 1,657 |
| Net loans and leases to deposits | 81.2310% | 1,739 |
| Net loans and leases to core deposits | 87.8583% | 1,706 |
| Total domestic deposits to total assets | 85.2358% | 2,672 |
| Equity capital to assets | 11.3441% | 1,993 |
| Core capital (leverage) ratio | 10.9541% | 1,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1057% | 1,239 |
| Memoranda: | ||
| Average total assets | $404,945,000 | 1,847 |
| Average earning assets | $381,558,200 | 1,827 |
| Average equity | $45,321,400 | 1,839 |
| Average total loans | $293,530,800 | 1,709 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 2,728 |
| Cost of funding earning assets | 0.8863% | 1,112 |
| Net interest margin | 3.1935% | 3,504 |
| Noninterest income to average assets | 1.4495% | 548 |
| Noninterest expense to average assets | 2.3183% | 3,372 |
| Loan and lease loss provision to assets | 0.2191% | 1,834 |
| Net operating income to assets | 1.4246% | 1,046 |
| Return on assets (ROA) | 1.4146% | 1,156 |
| Pretax return on assets | 1.9115% | 615 |
| Return on Equity (ROE) | 12.6846% | 1,198 |
| Retained earnings to average equity (ytd only) | 12.0885% | 414 |
| Net charge-offs to loans | 0.0178% | 2,504 |
| Credit loss provision to net charge-offs | 1,689.7436% | 560 |
| Earnings coverage of net charge-offs (x) | 165.3333% | 561 |
| Efficiency ratio | 51.9630% | 4,347 |
| Assets per employee ($millions) | 6.1978% | 2,086 |
| Cash dividends to net income (ytd only)* | 4.6992% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8619% | 632 |
| Loan loss allowance to noncurrent loans | 168.1359% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.7949% | 1,450 |
| Noncurrent loans to loans | 1.1074% | 1,362 |
| Net loans and leases to total assets | 68.6988% | 2,151 |
| Net loans and leases to deposits | 82.7676% | 2,036 |
| Net loans and leases to core deposits | 89.4194% | 2,022 |
| Total domestic deposits to total assets | 83.0020% | 3,147 |
| Equity capital to assets | 11.1857% | 2,243 |
| Core capital (leverage) ratio | 10.9222% | 1,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6705% | 1,332 |
| Memoranda: | ||
| Average total assets | $401,138,000 | 1,837 |
| Average earning assets | $378,338,750 | 1,817 |
| Average equity | $44,735,500 | 1,847 |
| Average total loans | $292,731,500 | 1,711 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2672% | 2,555 |
| Cost of funding earning assets | 0.9750% | 1,059 |
| Net interest margin | 3.2922% | 3,406 |
| Noninterest income to average assets | 1.3515% | 564 |
| Noninterest expense to average assets | 2.3080% | 3,493 |
| Loan and lease loss provision to assets | 0.1182% | 2,840 |
| Net operating income to assets | 1.5010% | 926 |
| Return on assets (ROA) | 1.4854% | 1,029 |
| Pretax return on assets | 2.0103% | 535 |
| Return on Equity (ROE) | 13.3338% | 1,024 |
| Retained earnings to average equity (ytd only) | 12.8786% | 372 |
| Net charge-offs to loans | 0.0082% | 2,653 |
| Credit loss provision to net charge-offs | 1,941.6667% | 496 |
| Earnings coverage of net charge-offs (x) | 353.0000% | 293 |
| Efficiency ratio | 51.7924% | 4,368 |
| Assets per employee ($millions) | 6.0616% | 2,133 |
| Cash dividends to net income (ytd only)* | 3.4141% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 795 |
| Loan loss allowance to noncurrent loans | 126.3080% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.9784% | 1,232 |
| Noncurrent loans to loans | 1.3551% | 1,136 |
| Net loans and leases to total assets | 70.9667% | 1,878 |
| Net loans and leases to deposits | 85.5419% | 1,823 |
| Net loans and leases to core deposits | 93.7759% | 1,759 |
| Total domestic deposits to total assets | 82.9613% | 3,097 |
| Equity capital to assets | 11.1385% | 2,220 |
| Core capital (leverage) ratio | 11.0592% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9360% | 1,258 |
| Memoranda: | ||
| Average total assets | $394,367,333 | 1,833 |
| Average earning assets | $371,904,000 | 1,813 |
| Average equity | $43,933,333 | 1,858 |
| Average total loans | $291,967,333 | 1,698 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2112% | 3,180 |
| Cost of funding earning assets | 1.1055% | 1,029 |
| Net interest margin | 3.1057% | 4,083 |
| Noninterest income to average assets | 1.0678% | 747 |
| Noninterest expense to average assets | 2.3629% | 3,620 |
| Loan and lease loss provision to assets | 0.1214% | 2,177 |
| Net operating income to assets | 1.1203% | 1,784 |
| Return on assets (ROA) | 1.1031% | 1,928 |
| Pretax return on assets | 1.4829% | 1,347 |
| Return on Equity (ROE) | 9.9013% | 1,780 |
| Retained earnings to average equity (ytd only) | 9.9013% | 762 |
| Net charge-offs to loans | 0.0014% | 2,548 |
| Credit loss provision to net charge-offs | 11,700.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 1,567.0000% | 24 |
| Efficiency ratio | 59.2352% | 3,835 |
| Assets per employee ($millions) | 5.7750% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7234% | 834 |
| Loan loss allowance to noncurrent loans | 119.3255% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 1.0806% | 1,208 |
| Noncurrent loans to loans | 1.4443% | 1,107 |
| Net loans and leases to total assets | 73.5283% | 1,689 |
| Net loans and leases to deposits | 88.2611% | 1,730 |
| Net loans and leases to core deposits | 99.1721% | 1,537 |
| Total domestic deposits to total assets | 83.3077% | 3,017 |
| Equity capital to assets | 11.2892% | 2,600 |
| Core capital (leverage) ratio | 11.1209% | 2,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5029% | 1,469 |
| Memoranda: | ||
| Average total assets | $385,455,000 | 1,819 |
| Average earning assets | $362,555,000 | 1,808 |
| Average equity | $42,944,000 | 1,882 |
| Average total loans | $289,144,500 | 1,682 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 3,163 |
| Cost of funding earning assets | 1.1699% | 1,097 |
| Net interest margin | 3.2580% | 4,067 |
| Noninterest income to average assets | 1.0008% | 970 |
| Noninterest expense to average assets | 2.4351% | 3,605 |
| Loan and lease loss provision to assets | 0.3038% | 549 |
| Net operating income to assets | 0.9810% | 2,912 |
| Return on assets (ROA) | 1.1062% | 2,511 |
| Pretax return on assets | 1.4845% | 1,851 |
| Return on Equity (ROE) | 10.1917% | 2,207 |
| Retained earnings to average equity (ytd only) | 8.8752% | 742 |
| Net charge-offs to loans | 0.4880% | 387 |
| Credit loss provision to net charge-offs | 78.2096% | 2,814 |
| Earnings coverage of net charge-offs (x) | 4.1950% | 3,244 |
| Efficiency ratio | 59.9058% | 3,712 |
| Assets per employee ($millions) | 5.6468% | 1,929 |
| Cash dividends to net income (ytd only)* | 12.9174% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 826 |
| Loan loss allowance to noncurrent loans | 105.7968% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.1995% | 977 |
| Noncurrent loans to loans | 1.5949% | 883 |
| Net loans and leases to total assets | 73.9424% | 1,768 |
| Net loans and leases to deposits | 88.3855% | 1,787 |
| Net loans and leases to core deposits | 99.5987% | 1,595 |
| Total domestic deposits to total assets | 83.6590% | 2,972 |
| Equity capital to assets | 10.9919% | 3,007 |
| Core capital (leverage) ratio | 10.9448% | 2,547 |
| Tier 1 risk-based capital ratio | 15.0168% | 2,772 |
| Total risk-based capital ratio | 16.2733% | 2,705 |
| Memoranda: | ||
| Average total assets | $370,909,000 | 1,839 |
| Average earning assets | $348,832,800 | 1,818 |
| Average equity | $40,258,200 | 1,923 |
| Average total loans | $295,279,600 | 1,628 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4470% | 3,216 |
| Cost of funding earning assets | 1.1719% | 1,106 |
| Net interest margin | 3.2750% | 4,138 |
| Noninterest income to average assets | 0.8980% | 1,150 |
| Noninterest expense to average assets | 2.4052% | 3,664 |
| Loan and lease loss provision to assets | 0.2785% | 548 |
| Net operating income to assets | 0.9586% | 3,131 |
| Return on assets (ROA) | 1.1116% | 2,617 |
| Pretax return on assets | 1.4909% | 1,981 |
| Return on Equity (ROE) | 10.2752% | 2,320 |
| Retained earnings to average equity (ytd only) | 9.6047% | 867 |
| Net charge-offs to loans | 0.5744% | 287 |
| Credit loss provision to net charge-offs | 60.0469% | 2,706 |
| Earnings coverage of net charge-offs (x) | 3.3972% | 3,101 |
| Efficiency ratio | 60.4172% | 3,556 |
| Assets per employee ($millions) | 5.4599% | 2,063 |
| Cash dividends to net income (ytd only)* | 6.5253% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 1,069 |
| Loan loss allowance to noncurrent loans | 110.3351% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.1447% | 1,137 |
| Noncurrent loans to loans | 1.4205% | 1,070 |
| Net loans and leases to total assets | 79.0993% | 972 |
| Net loans and leases to deposits | 96.7373% | 924 |
| Net loans and leases to core deposits | 109.2159% | 983 |
| Total domestic deposits to total assets | 81.7671% | 3,542 |
| Equity capital to assets | 11.2039% | 2,918 |
| Core capital (leverage) ratio | 10.9817% | 2,661 |
| Tier 1 risk-based capital ratio | 14.2974% | 3,175 |
| Total risk-based capital ratio | 15.5521% | 3,081 |
| Memoranda: | ||
| Average total assets | $367,640,250 | 1,867 |
| Average earning assets | $346,082,750 | 1,843 |
| Average equity | $39,771,000 | 1,950 |
| Average total loans | $296,899,500 | 1,626 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3960% | 3,342 |
| Cost of funding earning assets | 1.1407% | 1,161 |
| Net interest margin | 3.2553% | 4,229 |
| Noninterest income to average assets | 0.8334% | 1,239 |
| Noninterest expense to average assets | 2.3743% | 3,807 |
| Loan and lease loss provision to assets | 0.3291% | 402 |
| Net operating income to assets | 0.8845% | 3,343 |
| Return on assets (ROA) | 1.0889% | 2,634 |
| Pretax return on assets | 1.4589% | 2,000 |
| Return on Equity (ROE) | 10.1884% | 2,297 |
| Retained earnings to average equity (ytd only) | 9.6777% | 852 |
| Net charge-offs to loans | 0.1302% | 1,154 |
| Credit loss provision to net charge-offs | 312.4352% | 875 |
| Earnings coverage of net charge-offs (x) | 14.5181% | 2,030 |
| Efficiency ratio | 60.8221% | 3,609 |
| Assets per employee ($millions) | 5.4955% | 1,975 |
| Cash dividends to net income (ytd only)* | 5.0125% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8696% | 601 |
| Loan loss allowance to noncurrent loans | 119.5429% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 1.3316% | 939 |
| Noncurrent loans to loans | 1.5640% | 978 |
| Net loans and leases to total assets | 78.6117% | 1,102 |
| Net loans and leases to deposits | 97.1625% | 919 |
| Net loans and leases to core deposits | 109.7661% | 990 |
| Total domestic deposits to total assets | 80.9074% | 3,844 |
| Equity capital to assets | 10.8297% | 3,241 |
| Core capital (leverage) ratio | 10.9884% | 2,611 |
| Tier 1 risk-based capital ratio | 13.9463% | 3,344 |
| Total risk-based capital ratio | 15.2049% | 3,253 |
| Memoranda: | ||
| Average total assets | $366,429,000 | 1,884 |
| Average earning assets | $345,588,000 | 1,852 |
| Average equity | $39,162,330 | 1,972 |
| Average total loans | $296,415,670 | 1,635 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 3,421 |
| Cost of funding earning assets | 1.1219% | 1,117 |
| Net interest margin | 3.2229% | 4,335 |
| Noninterest income to average assets | 0.7740% | 1,356 |
| Noninterest expense to average assets | 2.4455% | 3,639 |
| Loan and lease loss provision to assets | 0.5028% | 216 |
| Net operating income to assets | 0.6232% | 4,172 |
| Return on assets (ROA) | 1.0430% | 2,727 |
| Pretax return on assets | 1.3947% | 2,100 |
| Return on Equity (ROE) | 9.8264% | 2,436 |
| Retained earnings to average equity (ytd only) | 9.8264% | 1,080 |
| Net charge-offs to loans | 0.2794% | 530 |
| Credit loss provision to net charge-offs | 221.3592% | 990 |
| Earnings coverage of net charge-offs (x) | 6.0146% | 2,224 |
| Efficiency ratio | 64.1597% | 3,217 |
| Assets per employee ($millions) | 5.5504% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8286% | 669 |
| Loan loss allowance to noncurrent loans | 115.2884% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.3962% | 900 |
| Noncurrent loans to loans | 1.5861% | 1,000 |
| Net loans and leases to total assets | 80.9064% | 721 |
| Net loans and leases to deposits | 99.7212% | 659 |
| Net loans and leases to core deposits | 112.9478% | 787 |
| Total domestic deposits to total assets | 81.1326% | 3,944 |
| Equity capital to assets | 10.8602% | 2,987 |
| Core capital (leverage) ratio | 10.8284% | 2,740 |
| Tier 1 risk-based capital ratio | 13.5878% | 3,563 |
| Total risk-based capital ratio | 14.8459% | 3,470 |
| Memoranda: | ||
| Average total assets | $362,796,000 | 1,906 |
| Average earning assets | $341,923,000 | 1,877 |
| Average equity | $38,508,500 | 1,991 |
| Average total loans | $294,941,000 | 1,653 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 3,133 |
| Cost of funding earning assets | 0.9456% | 940 |
| Net interest margin | 3.3496% | 4,130 |
| Noninterest income to average assets | 0.8766% | 1,245 |
| Noninterest expense to average assets | 2.2922% | 4,139 |
| Loan and lease loss provision to assets | 0.4719% | 265 |
| Net operating income to assets | 0.9563% | 3,192 |
| Return on assets (ROA) | 0.9563% | 3,192 |
| Pretax return on assets | 1.2735% | 2,599 |
| Return on Equity (ROE) | 9.4042% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.0385% | 1,218 |
| Net charge-offs to loans | 0.0197% | 3,038 |
| Credit loss provision to net charge-offs | 2,980.7018% | 166 |
| Earnings coverage of net charge-offs (x) | 110.2456% | 691 |
| Efficiency ratio | 56.7724% | 4,312 |
| Assets per employee ($millions) | 5.6126% | 1,851 |
| Cash dividends to net income (ytd only)* | 14.5222% | 3,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7730% | 719 |
| Loan loss allowance to noncurrent loans | 152.2007% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.9375% | 1,464 |
| Noncurrent loans to loans | 1.1649% | 1,381 |
| Net loans and leases to total assets | 78.7704% | 1,143 |
| Net loans and leases to deposits | 96.8861% | 987 |
| Net loans and leases to core deposits | 107.8948% | 1,121 |
| Total domestic deposits to total assets | 81.3021% | 3,825 |
| Equity capital to assets | 10.3713% | 3,308 |
| Core capital (leverage) ratio | 10.6160% | 2,914 |
| Tier 1 risk-based capital ratio | 12.9941% | 3,847 |
| Total risk-based capital ratio | 14.2505% | 3,738 |
| Memoranda: | ||
| Average total assets | $360,044,800 | 1,878 |
| Average earning assets | $339,774,200 | 1,848 |
| Average equity | $36,611,400 | 2,005 |
| Average total loans | $289,264,600 | 1,638 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 3,045 |
| Cost of funding earning assets | 0.9112% | 879 |
| Net interest margin | 3.3671% | 4,112 |
| Noninterest income to average assets | 0.8155% | 1,423 |
| Noninterest expense to average assets | 2.3552% | 3,961 |
| Loan and lease loss provision to assets | 0.0554% | 2,869 |
| Net operating income to assets | 1.1830% | 2,307 |
| Return on assets (ROA) | 1.1830% | 2,311 |
| Pretax return on assets | 1.5861% | 1,620 |
| Return on Equity (ROE) | 11.6932% | 1,912 |
| Retained earnings to average equity (ytd only) | 11.3259% | 584 |
| Net charge-offs to loans | 0.0018% | 3,427 |
| Credit loss provision to net charge-offs | 3,725.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 1,105.1632% | 72 |
| Efficiency ratio | 58.9291% | 3,972 |
| Assets per employee ($millions) | 5.3370% | 2,087 |
| Cash dividends to net income (ytd only)* | 3.1407% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,290 |
| Loan loss allowance to noncurrent loans | 1,019.3370% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 4,447 |
| Noncurrent loans to loans | 0.1240% | 4,333 |
| Net loans and leases to total assets | 80.6353% | 924 |
| Net loans and leases to deposits | 99.8359% | 800 |
| Net loans and leases to core deposits | 111.6933% | 928 |
| Total domestic deposits to total assets | 80.7678% | 3,935 |
| Equity capital to assets | 10.5311% | 3,114 |
| Core capital (leverage) ratio | 10.7097% | 2,875 |
| Tier 1 risk-based capital ratio | 13.0505% | 3,876 |
| Total risk-based capital ratio | 14.3008% | 3,788 |
| Memoranda: | ||
| Average total assets | $358,852,000 | 1,885 |
| Average earning assets | $339,032,500 | 1,863 |
| Average equity | $36,305,250 | 2,020 |
| Average total loans | $288,442,250 | 1,649 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2149% | 3,068 |
| Cost of funding earning assets | 0.8530% | 900 |
| Net interest margin | 3.3619% | 4,071 |
| Noninterest income to average assets | 0.8200% | 1,413 |
| Noninterest expense to average assets | 2.3291% | 4,079 |
| Loan and lease loss provision to assets | 0.0579% | 2,748 |
| Net operating income to assets | 1.2007% | 2,195 |
| Return on assets (ROA) | 1.2007% | 2,193 |
| Pretax return on assets | 1.6099% | 1,472 |
| Return on Equity (ROE) | 12.0319% | 1,714 |
| Retained earnings to average equity (ytd only) | 11.4741% | 590 |
| Net charge-offs to loans | 0.0056% | 2,955 |
| Credit loss provision to net charge-offs | 1,300.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 374.5000% | 245 |
| Efficiency ratio | 58.2730% | 4,186 |
| Assets per employee ($millions) | 5.3125% | 2,091 |
| Cash dividends to net income (ytd only)* | 4.6361% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 2,424 |
| Loan loss allowance to noncurrent loans | 676.7658% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 4,230 |
| Noncurrent loans to loans | 0.1850% | 4,076 |
| Net loans and leases to total assets | 79.5041% | 1,094 |
| Net loans and leases to deposits | 101.3351% | 707 |
| Net loans and leases to core deposits | 115.4415% | 727 |
| Total domestic deposits to total assets | 78.4566% | 4,518 |
| Equity capital to assets | 10.1841% | 3,452 |
| Core capital (leverage) ratio | 10.5517% | 2,980 |
| Tier 1 risk-based capital ratio | 12.7128% | 4,052 |
| Total risk-based capital ratio | 13.9589% | 3,966 |
| Memoranda: | ||
| Average total assets | $359,276,670 | 1,890 |
| Average earning assets | $339,507,330 | 1,869 |
| Average equity | $35,854,670 | 2,043 |
| Average total loans | $287,248,330 | 1,656 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 3,016 |
| Cost of funding earning assets | 0.8087% | 916 |
| Net interest margin | 3.3553% | 4,037 |
| Noninterest income to average assets | 0.7871% | 1,496 |
| Noninterest expense to average assets | 2.4639% | 3,762 |
| Loan and lease loss provision to assets | 0.0536% | 2,700 |
| Net operating income to assets | 1.0762% | 2,540 |
| Return on assets (ROA) | 1.0762% | 2,550 |
| Pretax return on assets | 1.4379% | 1,871 |
| Return on Equity (ROE) | 10.8967% | 2,012 |
| Retained earnings to average equity (ytd only) | 10.8967% | 917 |
| Net charge-offs to loans | 0.0028% | 2,638 |
| Credit loss provision to net charge-offs | 2,400.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 668.0000% | 95 |
| Efficiency ratio | 62.2918% | 3,735 |
| Assets per employee ($millions) | 5.3129% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 2,514 |
| Loan loss allowance to noncurrent loans | 704.1176% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 4,349 |
| Noncurrent loans to loans | 0.1777% | 4,171 |
| Net loans and leases to total assets | 79.6241% | 991 |
| Net loans and leases to deposits | 97.6335% | 896 |
| Net loans and leases to core deposits | 112.1112% | 886 |
| Total domestic deposits to total assets | 81.5541% | 4,078 |
| Equity capital to assets | 10.0406% | 3,555 |
| Core capital (leverage) ratio | 10.0156% | 3,520 |
| Tier 1 risk-based capital ratio | 12.6115% | 4,169 |
| Total risk-based capital ratio | 13.8618% | 4,075 |
| Memoranda: | ||
| Average total assets | $358,291,000 | 1,904 |
| Average earning assets | $338,330,500 | 1,882 |
| Average equity | $35,387,000 | 2,081 |
| Average total loans | $285,448,500 | 1,675 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 2,751 |
| Cost of funding earning assets | 0.7133% | 958 |
| Net interest margin | 3.4693% | 3,623 |
| Noninterest income to average assets | 0.8629% | 1,374 |
| Noninterest expense to average assets | 2.3685% | 4,159 |
| Loan and lease loss provision to assets | 0.0521% | 3,187 |
| Net operating income to assets | 0.9988% | 2,247 |
| Return on assets (ROA) | 0.9988% | 2,283 |
| Pretax return on assets | 1.7075% | 984 |
| Return on Equity (ROE) | 10.0347% | 1,870 |
| Retained earnings to average equity (ytd only) | 8.6307% | 579 |
| Net charge-offs to loans | 0.0073% | 3,819 |
| Credit loss provision to net charge-offs | 885.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 299.0500% | 291 |
| Efficiency ratio | 57.3760% | 4,607 |
| Assets per employee ($millions) | 5.3823% | 2,075 |
| Cash dividends to net income (ytd only)* | 13.9912% | 3,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,482 |
| Loan loss allowance to noncurrent loans | 594.7987% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 4,290 |
| Noncurrent loans to loans | 0.2100% | 4,069 |
| Net loans and leases to total assets | 77.7354% | 1,314 |
| Net loans and leases to deposits | 93.7461% | 1,302 |
| Net loans and leases to core deposits | 109.4258% | 1,039 |
| Total domestic deposits to total assets | 82.9212% | 3,588 |
| Equity capital to assets | 9.7147% | 4,015 |
| Core capital (leverage) ratio | 10.1210% | 3,283 |
| Tier 1 risk-based capital ratio | 12.4142% | 4,253 |
| Total risk-based capital ratio | 13.6641% | 4,160 |
| Memoranda: | ||
| Average total assets | $339,913,400 | 1,959 |
| Average earning assets | $319,924,800 | 1,936 |
| Average equity | $33,832,600 | 2,140 |
| Average total loans | $275,315,800 | 1,685 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2098% | 2,574 |
| Cost of funding earning assets | 0.7029% | 950 |
| Net interest margin | 3.5069% | 3,482 |
| Noninterest income to average assets | 0.8102% | 1,547 |
| Noninterest expense to average assets | 2.3688% | 4,095 |
| Loan and lease loss provision to assets | 0.0518% | 3,064 |
| Net operating income to assets | 1.0802% | 2,177 |
| Return on assets (ROA) | 1.0802% | 2,233 |
| Pretax return on assets | 1.6904% | 1,150 |
| Return on Equity (ROE) | 10.7833% | 1,783 |
| Retained earnings to average equity (ytd only) | 10.3857% | 509 |
| Net charge-offs to loans | 0.0039% | 3,602 |
| Credit loss provision to net charge-offs | 1,625.0000% | 237 |
| Earnings coverage of net charge-offs (x) | 546.5651% | 186 |
| Efficiency ratio | 57.6204% | 4,554 |
| Assets per employee ($millions) | 5.0668% | 2,370 |
| Cash dividends to net income (ytd only)* | 3.6873% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,553 |
| Loan loss allowance to noncurrent loans | 658.5366% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 4,463 |
| Noncurrent loans to loans | 0.1920% | 4,311 |
| Net loans and leases to total assets | 80.7229% | 882 |
| Net loans and leases to deposits | 98.7364% | 844 |
| Net loans and leases to core deposits | 116.6116% | 726 |
| Total domestic deposits to total assets | 81.7560% | 3,850 |
| Equity capital to assets | 10.2758% | 3,611 |
| Core capital (leverage) ratio | 10.2473% | 3,260 |
| Tier 1 risk-based capital ratio | 12.5234% | 4,303 |
| Total risk-based capital ratio | 13.7736% | 4,211 |
| Memoranda: | ||
| Average total assets | $334,737,500 | 1,992 |
| Average earning assets | $315,063,250 | 1,974 |
| Average equity | $33,532,500 | 2,167 |
| Average total loans | $273,176,750 | 1,705 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 2,522 |
| Cost of funding earning assets | 0.6894% | 942 |
| Net interest margin | 3.4978% | 3,406 |
| Noninterest income to average assets | 0.8122% | 1,526 |
| Noninterest expense to average assets | 2.3280% | 4,269 |
| Loan and lease loss provision to assets | 0.0498% | 2,994 |
| Net operating income to assets | 1.1010% | 1,971 |
| Return on assets (ROA) | 1.1010% | 2,021 |
| Pretax return on assets | 1.7241% | 1,003 |
| Return on Equity (ROE) | 11.0876% | 1,612 |
| Retained earnings to average equity (ytd only) | 10.4830% | 509 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7540% | 4,736 |
| Assets per employee ($millions) | 5.1239% | 2,241 |
| Cash dividends to net income (ytd only)* | 5.4526% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 2,582 |
| Loan loss allowance to noncurrent loans | 479.4199% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 4,279 |
| Noncurrent loans to loans | 0.2644% | 4,093 |
| Net loans and leases to total assets | 79.9329% | 968 |
| Net loans and leases to deposits | 98.9049% | 819 |
| Net loans and leases to core deposits | 113.1552% | 840 |
| Total domestic deposits to total assets | 80.8179% | 4,231 |
| Equity capital to assets | 10.0655% | 3,835 |
| Core capital (leverage) ratio | 10.1281% | 3,363 |
| Tier 1 risk-based capital ratio | 12.2348% | 4,473 |
| Total risk-based capital ratio | 13.4848% | 4,356 |
| Memoranda: | ||
| Average total assets | $333,158,000 | 2,009 |
| Average earning assets | $313,337,670 | 1,993 |
| Average equity | $33,082,000 | 2,183 |
| Average total loans | $271,720,670 | 1,709 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 2,414 |
| Cost of funding earning assets | 0.6781% | 941 |
| Net interest margin | 3.4846% | 3,333 |
| Noninterest income to average assets | 0.7839% | 1,612 |
| Noninterest expense to average assets | 2.4279% | 4,037 |
| Loan and lease loss provision to assets | 0.0484% | 2,842 |
| Net operating income to assets | 1.0174% | 2,235 |
| Return on assets (ROA) | 1.0174% | 2,287 |
| Pretax return on assets | 1.5835% | 1,277 |
| Return on Equity (ROE) | 10.3179% | 1,817 |
| Retained earnings to average equity (ytd only) | 10.3179% | 743 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8033% | 4,481 |
| Assets per employee ($millions) | 5.0229% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 2,843 |
| Loan loss allowance to noncurrent loans | 430.6533% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 4,238 |
| Noncurrent loans to loans | 0.2898% | 4,076 |
| Net loans and leases to total assets | 81.8275% | 585 |
| Net loans and leases to deposits | 99.7327% | 631 |
| Net loans and leases to core deposits | 113.6254% | 692 |
| Total domestic deposits to total assets | 82.0467% | 4,153 |
| Equity capital to assets | 9.9710% | 3,787 |
| Core capital (leverage) ratio | 9.9676% | 3,542 |
| Tier 1 risk-based capital ratio | 11.9162% | 4,775 |
| Total risk-based capital ratio | 13.1540% | 4,680 |
| Memoranda: | ||
| Average total assets | $330,649,500 | 2,040 |
| Average earning assets | $310,851,500 | 2,024 |
| Average equity | $32,603,500 | 2,211 |
| Average total loans | $270,689,000 | 1,726 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 2,470 |
| Cost of funding earning assets | 0.6270% | 1,165 |
| Net interest margin | 3.5785% | 3,147 |
| Noninterest income to average assets | 0.9458% | 1,275 |
| Noninterest expense to average assets | 2.5257% | 3,934 |
| Loan and lease loss provision to assets | 0.0962% | 2,443 |
| Net operating income to assets | 1.0750% | 2,012 |
| Return on assets (ROA) | 1.0750% | 2,113 |
| Pretax return on assets | 1.6776% | 1,060 |
| Return on Equity (ROE) | 11.1931% | 1,510 |
| Retained earnings to average equity (ytd only) | 9.8320% | 435 |
| Net charge-offs to loans | 0.0272% | 3,490 |
| Credit loss provision to net charge-offs | 435.2113% | 733 |
| Earnings coverage of net charge-offs (x) | 80.2676% | 713 |
| Efficiency ratio | 58.7448% | 4,754 |
| Assets per employee ($millions) | 5.0737% | 2,307 |
| Cash dividends to net income (ytd only)* | 12.1598% | 3,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 2,703 |
| Loan loss allowance to noncurrent loans | 405.7485% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 4,259 |
| Noncurrent loans to loans | 0.3131% | 4,021 |
| Net loans and leases to total assets | 79.8377% | 918 |
| Net loans and leases to deposits | 95.0935% | 1,080 |
| Net loans and leases to core deposits | 107.3490% | 1,049 |
| Total domestic deposits to total assets | 83.9570% | 3,435 |
| Equity capital to assets | 9.7493% | 4,010 |
| Core capital (leverage) ratio | 9.8862% | 3,649 |
| Tier 1 risk-based capital ratio | 12.1035% | 4,657 |
| Total risk-based capital ratio | 13.3538% | 4,531 |
| Memoranda: | ||
| Average total assets | $321,300,800 | 2,052 |
| Average earning assets | $301,106,400 | 2,035 |
| Average equity | $30,858,400 | 2,301 |
| Average total loans | $260,714,600 | 1,729 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2060% | 2,488 |
| Cost of funding earning assets | 0.6187% | 1,217 |
| Net interest margin | 3.5872% | 3,125 |
| Noninterest income to average assets | 0.8751% | 1,492 |
| Noninterest expense to average assets | 2.5151% | 3,942 |
| Loan and lease loss provision to assets | 0.0965% | 2,298 |
| Net operating income to assets | 1.0452% | 2,221 |
| Return on assets (ROA) | 1.0452% | 2,347 |
| Pretax return on assets | 1.6275% | 1,311 |
| Return on Equity (ROE) | 10.9249% | 1,697 |
| Retained earnings to average equity (ytd only) | 10.4883% | 490 |
| Net charge-offs to loans | 0.0005% | 3,943 |
| Credit loss provision to net charge-offs | 23,100.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 4,137.2406% | 12 |
| Efficiency ratio | 59.3319% | 4,642 |
| Assets per employee ($millions) | 5.0059% | 2,362 |
| Cash dividends to net income (ytd only)* | 3.9968% | 3,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 2,918 |
| Loan loss allowance to noncurrent loans | 436.6925% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 4,470 |
| Noncurrent loans to loans | 0.2877% | 4,235 |
| Net loans and leases to total assets | 80.4072% | 830 |
| Net loans and leases to deposits | 98.3336% | 827 |
| Net loans and leases to core deposits | 110.3677% | 888 |
| Total domestic deposits to total assets | 81.7699% | 4,017 |
| Equity capital to assets | 9.6084% | 4,550 |
| Core capital (leverage) ratio | 9.6435% | 4,003 |
| Tier 1 risk-based capital ratio | 11.9622% | 4,812 |
| Total risk-based capital ratio | 13.2124% | 4,709 |
| Memoranda: | ||
| Average total assets | $319,179,000 | 2,069 |
| Average earning assets | $299,314,000 | 2,048 |
| Average equity | $30,535,000 | 2,328 |
| Average total loans | $259,222,500 | 1,741 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2149% | 2,466 |
| Cost of funding earning assets | 0.6091% | 1,253 |
| Net interest margin | 3.6058% | 3,077 |
| Noninterest income to average assets | 0.8490% | 1,552 |
| Noninterest expense to average assets | 2.5291% | 3,951 |
| Loan and lease loss provision to assets | 0.0951% | 2,252 |
| Net operating income to assets | 1.0316% | 2,247 |
| Return on assets (ROA) | 1.0316% | 2,383 |
| Pretax return on assets | 1.6028% | 1,368 |
| Return on Equity (ROE) | 10.7993% | 1,720 |
| Retained earnings to average equity (ytd only) | 10.1355% | 569 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8320% | 4,663 |
| Assets per employee ($millions) | 4.8703% | 2,449 |
| Cash dividends to net income (ytd only)* | 6.1463% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 2,963 |
| Loan loss allowance to noncurrent loans | 623.8185% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 4,815 |
| Noncurrent loans to loans | 0.2034% | 4,629 |
| Net loans and leases to total assets | 79.8779% | 935 |
| Net loans and leases to deposits | 96.1648% | 1,064 |
| Net loans and leases to core deposits | 105.5649% | 1,213 |
| Total domestic deposits to total assets | 83.0636% | 3,624 |
| Equity capital to assets | 9.6149% | 4,651 |
| Core capital (leverage) ratio | 9.6276% | 4,028 |
| Tier 1 risk-based capital ratio | 11.9487% | 4,860 |
| Total risk-based capital ratio | 13.1992% | 4,773 |
| Memoranda: | ||
| Average total assets | $315,443,000 | 2,095 |
| Average earning assets | $295,521,670 | 2,081 |
| Average equity | $30,131,670 | 2,359 |
| Average total loans | $255,951,670 | 1,761 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 2,554 |
| Cost of funding earning assets | 0.5969% | 1,349 |
| Net interest margin | 3.5812% | 3,159 |
| Noninterest income to average assets | 0.7963% | 1,628 |
| Noninterest expense to average assets | 2.5361% | 3,958 |
| Loan and lease loss provision to assets | 0.0947% | 2,114 |
| Net operating income to assets | 0.9883% | 2,332 |
| Return on assets (ROA) | 0.9883% | 2,445 |
| Pretax return on assets | 1.5299% | 1,505 |
| Return on Equity (ROE) | 10.3818% | 1,828 |
| Retained earnings to average equity (ytd only) | 10.3818% | 767 |
| Net charge-offs to loans | 0.0110% | 2,752 |
| Credit loss provision to net charge-offs | 1,057.1429% | 355 |
| Earnings coverage of net charge-offs (x) | 181.2857% | 334 |
| Efficiency ratio | 60.9538% | 4,610 |
| Assets per employee ($millions) | 4.7627% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 3,121 |
| Loan loss allowance to noncurrent loans | 599.0689% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 4,857 |
| Noncurrent loans to loans | 0.2101% | 4,672 |
| Net loans and leases to total assets | 80.2914% | 775 |
| Net loans and leases to deposits | 95.2857% | 1,011 |
| Net loans and leases to core deposits | 103.4046% | 1,228 |
| Total domestic deposits to total assets | 84.2639% | 3,417 |
| Equity capital to assets | 9.5941% | 4,572 |
| Core capital (leverage) ratio | 9.5449% | 4,109 |
| Tier 1 risk-based capital ratio | 11.8717% | 4,993 |
| Total risk-based capital ratio | 13.1221% | 4,903 |
| Memoranda: | ||
| Average total assets | $312,445,500 | 2,119 |
| Average earning assets | $293,536,000 | 2,100 |
| Average equity | $29,744,500 | 2,384 |
| Average total loans | $253,898,500 | 1,769 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2331% | 2,447 |
| Cost of funding earning assets | 0.6289% | 1,185 |
| Net interest margin | 3.6042% | 3,123 |
| Noninterest income to average assets | 0.9648% | 1,281 |
| Noninterest expense to average assets | 2.6312% | 3,812 |
| Loan and lease loss provision to assets | 0.1623% | 1,418 |
| Net operating income to assets | 0.9987% | 2,368 |
| Return on assets (ROA) | 0.9987% | 2,467 |
| Pretax return on assets | 1.5508% | 1,404 |
| Return on Equity (ROE) | 10.4670% | 1,818 |
| Retained earnings to average equity (ytd only) | 7.3048% | 1,167 |
| Net charge-offs to loans | -0.1107% | 5,805 |
| Credit loss provision to net charge-offs | -181.9549% | 5,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5679% | 4,825 |
| Assets per employee ($millions) | 4.6351% | 2,841 |
| Cash dividends to net income (ytd only)* | 30.2115% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 3,181 |
| Loan loss allowance to noncurrent loans | 867.7686% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 5,100 |
| Noncurrent loans to loans | 0.1439% | 4,917 |
| Net loans and leases to total assets | 80.1936% | 823 |
| Net loans and leases to deposits | 96.5081% | 955 |
| Net loans and leases to core deposits | 102.9840% | 1,297 |
| Total domestic deposits to total assets | 83.0952% | 3,813 |
| Equity capital to assets | 9.4448% | 4,618 |
| Core capital (leverage) ratio | 9.5073% | 4,160 |
| Tier 1 risk-based capital ratio | 11.7705% | 5,095 |
| Total risk-based capital ratio | 13.0209% | 5,008 |
| Memoranda: | ||
| Average total assets | $298,301,400 | 2,154 |
| Average earning assets | $279,701,200 | 2,141 |
| Average equity | $28,460,800 | 2,424 |
| Average total loans | $240,390,600 | 1,797 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 2,503 |
| Cost of funding earning assets | 0.6395% | 1,153 |
| Net interest margin | 3.5859% | 3,216 |
| Noninterest income to average assets | 0.9172% | 1,408 |
| Noninterest expense to average assets | 2.5813% | 3,941 |
| Loan and lease loss provision to assets | 0.1666% | 1,268 |
| Net operating income to assets | 0.9849% | 2,543 |
| Return on assets (ROA) | 0.9849% | 2,627 |
| Pretax return on assets | 1.5318% | 1,592 |
| Return on Equity (ROE) | 10.2960% | 1,977 |
| Retained earnings to average equity (ytd only) | 7.6996% | 1,375 |
| Net charge-offs to loans | -0.1482% | 5,916 |
| Credit loss provision to net charge-offs | -139.7727% | 5,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3144% | 4,844 |
| Assets per employee ($millions) | 4.4709% | 3,063 |
| Cash dividends to net income (ytd only)* | 25.2179% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 3,404 |
| Loan loss allowance to noncurrent loans | 706.9930% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 4,779 |
| Noncurrent loans to loans | 0.1760% | 4,949 |
| Net loans and leases to total assets | 80.3514% | 769 |
| Net loans and leases to deposits | 95.8410% | 1,023 |
| Net loans and leases to core deposits | 103.2782% | 1,281 |
| Total domestic deposits to total assets | 83.8383% | 3,494 |
| Equity capital to assets | 9.6647% | 4,555 |
| Core capital (leverage) ratio | 9.5255% | 4,267 |
| Tier 1 risk-based capital ratio | 11.8555% | 5,165 |
| Total risk-based capital ratio | 13.1057% | 5,090 |
| Memoranda: | ||
| Average total assets | $295,239,000 | 2,189 |
| Average earning assets | $276,854,250 | 2,172 |
| Average equity | $28,243,250 | 2,457 |
| Average total loans | $237,440,250 | 1,820 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2058% | 2,526 |
| Cost of funding earning assets | 0.6410% | 1,158 |
| Net interest margin | 3.5648% | 3,229 |
| Noninterest income to average assets | 0.9040% | 1,430 |
| Noninterest expense to average assets | 2.5677% | 4,012 |
| Loan and lease loss provision to assets | 0.1675% | 1,249 |
| Net operating income to assets | 0.9707% | 2,534 |
| Return on assets (ROA) | 0.9707% | 2,643 |
| Pretax return on assets | 1.5078% | 1,628 |
| Return on Equity (ROE) | 10.1830% | 1,989 |
| Retained earnings to average equity (ytd only) | 9.4689% | 790 |
| Net charge-offs to loans | -0.1980% | 6,023 |
| Credit loss provision to net charge-offs | -105.5794% | 4,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5166% | 4,909 |
| Assets per employee ($millions) | 4.4746% | 3,025 |
| Cash dividends to net income (ytd only)* | 7.0126% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 3,733 |
| Loan loss allowance to noncurrent loans | 931.7152% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 5,013 |
| Noncurrent loans to loans | 0.1299% | 5,231 |
| Net loans and leases to total assets | 79.5843% | 858 |
| Net loans and leases to deposits | 95.2576% | 1,026 |
| Net loans and leases to core deposits | 102.7144% | 1,279 |
| Total domestic deposits to total assets | 83.5464% | 3,743 |
| Equity capital to assets | 9.6820% | 4,427 |
| Core capital (leverage) ratio | 9.5785% | 4,167 |
| Tier 1 risk-based capital ratio | 12.0821% | 5,088 |
| Total risk-based capital ratio | 13.3081% | 5,004 |
| Memoranda: | ||
| Average total assets | $293,801,000 | 2,213 |
| Average earning assets | $275,193,000 | 2,196 |
| Average equity | $28,007,330 | 2,486 |
| Average total loans | $235,344,330 | 1,838 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 2,651 |
| Cost of funding earning assets | 0.6334% | 1,209 |
| Net interest margin | 3.5109% | 3,388 |
| Noninterest income to average assets | 0.9091% | 1,359 |
| Noninterest expense to average assets | 2.4952% | 4,274 |
| Loan and lease loss provision to assets | 0.1693% | 1,178 |
| Net operating income to assets | 0.9869% | 2,322 |
| Return on assets (ROA) | 0.9869% | 2,449 |
| Pretax return on assets | 1.5356% | 1,438 |
| Return on Equity (ROE) | 10.4350% | 1,819 |
| Retained earnings to average equity (ytd only) | 10.4350% | 821 |
| Net charge-offs to loans | -0.0034% | 4,422 |
| Credit loss provision to net charge-offs | -6,200.0000% | 5,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4085% | 5,169 |
| Assets per employee ($millions) | 4.5165% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 4,721 |
| Loan loss allowance to noncurrent loans | 228.3906% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 3,928 |
| Noncurrent loans to loans | 0.4628% | 4,194 |
| Net loans and leases to total assets | 79.3260% | 764 |
| Net loans and leases to deposits | 95.5410% | 865 |
| Net loans and leases to core deposits | 103.2206% | 1,108 |
| Total domestic deposits to total assets | 83.0283% | 4,171 |
| Equity capital to assets | 9.4317% | 4,828 |
| Core capital (leverage) ratio | 9.4031% | 4,429 |
| Tier 1 risk-based capital ratio | 11.8391% | 5,341 |
| Total risk-based capital ratio | 12.9161% | 5,363 |
| Memoranda: | ||
| Average total assets | $293,040,500 | 2,233 |
| Average earning assets | $274,690,000 | 2,212 |
| Average equity | $27,714,500 | 2,521 |
| Average total loans | $234,062,000 | 1,844 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 2,490 |
| Cost of funding earning assets | 0.6614% | 1,329 |
| Net interest margin | 3.6699% | 3,130 |
| Noninterest income to average assets | 0.8529% | 1,668 |
| Noninterest expense to average assets | 2.6564% | 4,019 |
| Loan and lease loss provision to assets | 0.1697% | 1,536 |
| Net operating income to assets | 0.9394% | 2,679 |
| Return on assets (ROA) | 0.9394% | 2,769 |
| Pretax return on assets | 1.4454% | 1,737 |
| Return on Equity (ROE) | 9.7534% | 2,219 |
| Retained earnings to average equity (ytd only) | 5.4691% | 2,282 |
| Net charge-offs to loans | 0.3210% | 1,378 |
| Credit loss provision to net charge-offs | 67.0922% | 3,135 |
| Earnings coverage of net charge-offs (x) | 6.3844% | 3,210 |
| Efficiency ratio | 62.1892% | 4,884 |
| Assets per employee ($millions) | 4.3635% | 3,247 |
| Cash dividends to net income (ytd only)* | 43.9267% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 4,823 |
| Loan loss allowance to noncurrent loans | 190.0238% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.5955% | 3,803 |
| Noncurrent loans to loans | 0.5512% | 4,010 |
| Net loans and leases to total assets | 78.7299% | 912 |
| Net loans and leases to deposits | 94.2142% | 1,060 |
| Net loans and leases to core deposits | 99.8652% | 1,402 |
| Total domestic deposits to total assets | 83.5648% | 3,894 |
| Equity capital to assets | 9.4843% | 4,741 |
| Core capital (leverage) ratio | 9.5027% | 4,233 |
| Tier 1 risk-based capital ratio | 11.8644% | 5,451 |
| Total risk-based capital ratio | 12.9172% | 5,475 |
| Memoranda: | ||
| Average total assets | $278,685,600 | 2,289 |
| Average earning assets | $259,595,000 | 2,281 |
| Average equity | $26,841,800 | 2,504 |
| Average total loans | $219,606,400 | 1,904 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 2,401 |
| Cost of funding earning assets | 0.6659% | 1,349 |
| Net interest margin | 3.6896% | 3,070 |
| Noninterest income to average assets | 0.8525% | 1,688 |
| Noninterest expense to average assets | 2.6014% | 4,195 |
| Loan and lease loss provision to assets | 0.1698% | 1,452 |
| Net operating income to assets | 0.9832% | 2,525 |
| Return on assets (ROA) | 0.9832% | 2,591 |
| Pretax return on assets | 1.5163% | 1,593 |
| Return on Equity (ROE) | 10.1680% | 2,137 |
| Retained earnings to average equity (ytd only) | 9.6691% | 785 |
| Net charge-offs to loans | 0.1019% | 2,780 |
| Credit loss provision to net charge-offs | 212.0482% | 1,216 |
| Earnings coverage of net charge-offs (x) | 21.0540% | 1,698 |
| Efficiency ratio | 60.6729% | 5,093 |
| Assets per employee ($millions) | 4.3160% | 3,271 |
| Cash dividends to net income (ytd only)* | 4.9068% | 3,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 3,932 |
| Loan loss allowance to noncurrent loans | 151.9957% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.9040% | 3,182 |
| Noncurrent loans to loans | 0.8241% | 3,511 |
| Net loans and leases to total assets | 79.1935% | 812 |
| Net loans and leases to deposits | 92.1457% | 1,211 |
| Net loans and leases to core deposits | 96.5965% | 1,627 |
| Total domestic deposits to total assets | 85.9438% | 2,871 |
| Equity capital to assets | 9.8810% | 4,319 |
| Core capital (leverage) ratio | 9.7924% | 3,948 |
| Tier 1 risk-based capital ratio | 12.2241% | 5,348 |
| Total risk-based capital ratio | 13.4742% | 5,264 |
| Memoranda: | ||
| Average total assets | $276,359,250 | 2,323 |
| Average earning assets | $257,294,250 | 2,308 |
| Average equity | $26,723,750 | 2,520 |
| Average total loans | $217,224,250 | 1,938 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3961% | 2,188 |
| Cost of funding earning assets | 0.6728% | 1,356 |
| Net interest margin | 3.7233% | 2,863 |
| Noninterest income to average assets | 0.8466% | 1,675 |
| Noninterest expense to average assets | 2.6389% | 4,099 |
| Loan and lease loss provision to assets | 0.1724% | 1,423 |
| Net operating income to assets | 0.9710% | 2,450 |
| Return on assets (ROA) | 0.9710% | 2,532 |
| Pretax return on assets | 1.4933% | 1,558 |
| Return on Equity (ROE) | 10.1168% | 2,100 |
| Retained earnings to average equity (ytd only) | 9.3590% | 864 |
| Net charge-offs to loans | -0.0037% | 5,130 |
| Credit loss provision to net charge-offs | -5,925.0000% | 5,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3045% | 5,102 |
| Assets per employee ($millions) | 4.2243% | 3,416 |
| Cash dividends to net income (ytd only)* | 7.4906% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 3,721 |
| Loan loss allowance to noncurrent loans | 190.1390% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.7735% | 3,654 |
| Noncurrent loans to loans | 0.6973% | 3,970 |
| Net loans and leases to total assets | 77.8715% | 925 |
| Net loans and leases to deposits | 91.7096% | 1,189 |
| Net loans and leases to core deposits | 96.2971% | 1,577 |
| Total domestic deposits to total assets | 84.9109% | 3,557 |
| Equity capital to assets | 9.8510% | 4,291 |
| Core capital (leverage) ratio | 9.8517% | 3,812 |
| Tier 1 risk-based capital ratio | 12.3987% | 5,301 |
| Total risk-based capital ratio | 13.6495% | 5,223 |
| Memoranda: | ||
| Average total assets | $274,966,330 | 2,333 |
| Average earning assets | $255,363,330 | 2,314 |
| Average equity | $26,391,670 | 2,538 |
| Average total loans | $214,637,000 | 1,947 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2700% | 2,633 |
| Cost of funding earning assets | 0.6931% | 1,290 |
| Net interest margin | 3.5769% | 3,353 |
| Noninterest income to average assets | 0.8024% | 1,735 |
| Noninterest expense to average assets | 2.5396% | 4,480 |
| Loan and lease loss provision to assets | 0.1788% | 1,346 |
| Net operating income to assets | 0.9144% | 2,579 |
| Return on assets (ROA) | 0.9144% | 2,652 |
| Pretax return on assets | 1.3999% | 1,746 |
| Return on Equity (ROE) | 9.6535% | 2,177 |
| Retained earnings to average equity (ytd only) | 9.6535% | 1,063 |
| Net charge-offs to loans | -0.0037% | 4,770 |
| Credit loss provision to net charge-offs | -6,150.0000% | 5,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6661% | 5,181 |
| Assets per employee ($millions) | 4.2357% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 4,143 |
| Loan loss allowance to noncurrent loans | 206.6717% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 3,910 |
| Noncurrent loans to loans | 0.6273% | 4,300 |
| Net loans and leases to total assets | 77.4315% | 829 |
| Net loans and leases to deposits | 89.7659% | 1,179 |
| Net loans and leases to core deposits | 93.5368% | 1,592 |
| Total domestic deposits to total assets | 86.2593% | 3,228 |
| Equity capital to assets | 9.7379% | 4,184 |
| Core capital (leverage) ratio | 9.3541% | 4,498 |
| Tier 1 risk-based capital ratio | 12.1965% | 5,509 |
| Total risk-based capital ratio | 13.4470% | 5,442 |
| Memoranda: | ||
| Average total assets | $275,158,500 | 2,337 |
| Average earning assets | $255,080,000 | 2,322 |
| Average equity | $26,063,000 | 2,543 |
| Average total loans | $213,608,500 | 1,952 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3574% | 2,745 |
| Cost of funding earning assets | 0.8733% | 849 |
| Net interest margin | 3.4842% | 3,966 |
| Noninterest income to average assets | 0.9405% | 1,546 |
| Noninterest expense to average assets | 2.6664% | 4,223 |
| Loan and lease loss provision to assets | 0.2571% | 1,396 |
| Net operating income to assets | 0.8220% | 3,174 |
| Return on assets (ROA) | 0.7790% | 3,504 |
| Pretax return on assets | 1.1622% | 2,723 |
| Return on Equity (ROE) | 8.2085% | 2,920 |
| Retained earnings to average equity (ytd only) | 3.9824% | 3,362 |
| Net charge-offs to loans | 0.0991% | 3,849 |
| Credit loss provision to net charge-offs | 339.4089% | 671 |
| Earnings coverage of net charge-offs (x) | 19.5862% | 1,597 |
| Efficiency ratio | 64.2542% | 4,853 |
| Assets per employee ($millions) | 4.3630% | 3,154 |
| Cash dividends to net income (ytd only)* | 51.4847% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 4,512 |
| Loan loss allowance to noncurrent loans | 169.1517% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.7954% | 3,893 |
| Noncurrent loans to loans | 0.7252% | 4,152 |
| Net loans and leases to total assets | 75.8949% | 1,091 |
| Net loans and leases to deposits | 87.9239% | 1,475 |
| Net loans and leases to core deposits | 91.4446% | 1,852 |
| Total domestic deposits to total assets | 86.3189% | 3,103 |
| Equity capital to assets | 9.2139% | 4,790 |
| Core capital (leverage) ratio | 9.3605% | 4,455 |
| Tier 1 risk-based capital ratio | 11.8073% | 5,736 |
| Total risk-based capital ratio | 13.0223% | 5,691 |
| Memoranda: | ||
| Average total assets | $268,036,000 | 2,368 |
| Average earning assets | $246,889,400 | 2,361 |
| Average equity | $25,437,000 | 2,594 |
| Average total loans | $204,820,400 | 1,963 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 2,655 |
| Cost of funding earning assets | 0.9156% | 757 |
| Net interest margin | 3.4641% | 4,038 |
| Noninterest income to average assets | 0.9083% | 1,728 |
| Noninterest expense to average assets | 2.6054% | 4,374 |
| Loan and lease loss provision to assets | 0.2016% | 1,801 |
| Net operating income to assets | 0.8627% | 3,032 |
| Return on assets (ROA) | 0.8048% | 3,455 |
| Pretax return on assets | 1.2044% | 2,673 |
| Return on Equity (ROE) | 8.4158% | 2,917 |
| Retained earnings to average equity (ytd only) | 5.3933% | 2,807 |
| Net charge-offs to loans | 0.1304% | 3,229 |
| Credit loss provision to net charge-offs | 202.5253% | 1,191 |
| Earnings coverage of net charge-offs (x) | 14.9952% | 1,898 |
| Efficiency ratio | 63.5795% | 4,873 |
| Assets per employee ($millions) | 4.2252% | 3,374 |
| Cash dividends to net income (ytd only)* | 35.9152% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 5,187 |
| Loan loss allowance to noncurrent loans | 163.2384% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 4,043 |
| Noncurrent loans to loans | 0.6945% | 4,467 |
| Net loans and leases to total assets | 75.7576% | 1,040 |
| Net loans and leases to deposits | 88.4502% | 1,317 |
| Net loans and leases to core deposits | 91.9660% | 1,767 |
| Total domestic deposits to total assets | 85.6499% | 3,429 |
| Equity capital to assets | 9.5285% | 4,519 |
| Core capital (leverage) ratio | 9.7242% | 4,070 |
| Tier 1 risk-based capital ratio | 12.7117% | 5,317 |
| Total risk-based capital ratio | 13.8785% | 5,315 |
| Memoranda: | ||
| Average total assets | $265,237,250 | 2,406 |
| Average earning assets | $244,213,750 | 2,400 |
| Average equity | $25,364,250 | 2,627 |
| Average total loans | $202,387,000 | 1,990 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4309% | 2,454 |
| Cost of funding earning assets | 0.9629% | 664 |
| Net interest margin | 3.4680% | 3,934 |
| Noninterest income to average assets | 0.9806% | 1,581 |
| Noninterest expense to average assets | 2.6564% | 4,197 |
| Loan and lease loss provision to assets | 0.2315% | 1,615 |
| Net operating income to assets | 0.8586% | 2,999 |
| Return on assets (ROA) | 0.7711% | 3,615 |
| Pretax return on assets | 1.1521% | 2,875 |
| Return on Equity (ROE) | 8.0538% | 3,064 |
| Retained earnings to average equity (ytd only) | 4.2885% | 3,562 |
| Net charge-offs to loans | 0.1982% | 2,576 |
| Credit loss provision to net charge-offs | 153.2663% | 1,505 |
| Earnings coverage of net charge-offs (x) | 10.0251% | 2,203 |
| Efficiency ratio | 63.6943% | 4,911 |
| Assets per employee ($millions) | 3.9107% | 3,999 |
| Cash dividends to net income (ytd only)* | 46.7520% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 5,376 |
| Loan loss allowance to noncurrent loans | 162.1310% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.8961% | 3,998 |
| Noncurrent loans to loans | 0.6884% | 4,560 |
| Net loans and leases to total assets | 77.2961% | 827 |
| Net loans and leases to deposits | 90.8555% | 1,067 |
| Net loans and leases to core deposits | 95.1097% | 1,429 |
| Total domestic deposits to total assets | 85.0759% | 3,855 |
| Equity capital to assets | 9.8421% | 4,136 |
| Core capital (leverage) ratio | 9.5829% | 4,103 |
| Tier 1 risk-based capital ratio | 12.8149% | 5,281 |
| Total risk-based capital ratio | 13.9644% | 5,283 |
| Memoranda: | ||
| Average total assets | $263,513,000 | 2,423 |
| Average earning assets | $242,386,670 | 2,426 |
| Average equity | $25,230,330 | 2,650 |
| Average total loans | $200,781,000 | 2,007 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4395% | 2,385 |
| Cost of funding earning assets | 0.9962% | 626 |
| Net interest margin | 3.4433% | 3,943 |
| Noninterest income to average assets | 0.9301% | 1,659 |
| Noninterest expense to average assets | 2.6294% | 4,309 |
| Loan and lease loss provision to assets | 0.2344% | 1,555 |
| Net operating income to assets | 0.8278% | 3,010 |
| Return on assets (ROA) | 0.6521% | 4,105 |
| Pretax return on assets | 0.9601% | 3,525 |
| Return on Equity (ROE) | 6.9042% | 3,543 |
| Retained earnings to average equity (ytd only) | 0.9386% | 5,471 |
| Net charge-offs to loans | 0.3954% | 1,467 |
| Credit loss provision to net charge-offs | 78.7879% | 2,172 |
| Earnings coverage of net charge-offs (x) | 4.8838% | 2,459 |
| Efficiency ratio | 64.4093% | 4,938 |
| Assets per employee ($millions) | 4.1354% | 3,661 |
| Cash dividends to net income (ytd only)* | 86.4055% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 5,799 |
| Loan loss allowance to noncurrent loans | 148.7977% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.8815% | 4,180 |
| Noncurrent loans to loans | 0.7049% | 4,721 |
| Net loans and leases to total assets | 75.0015% | 962 |
| Net loans and leases to deposits | 88.5632% | 1,088 |
| Net loans and leases to core deposits | 92.7562% | 1,433 |
| Total domestic deposits to total assets | 84.6870% | 4,185 |
| Equity capital to assets | 9.5139% | 4,833 |
| Core capital (leverage) ratio | 9.1349% | 4,663 |
| Tier 1 risk-based capital ratio | 12.7096% | 5,424 |
| Total risk-based capital ratio | 13.7956% | 5,500 |
| Memoranda: | ||
| Average total assets | $266,216,500 | 2,431 |
| Average earning assets | $243,720,500 | 2,438 |
| Average equity | $25,144,000 | 2,689 |
| Average total loans | $200,292,500 | 2,025 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9238% | 1,764 |
| Cost of funding earning assets | 1.1910% | 608 |
| Net interest margin | 3.7328% | 3,511 |
| Noninterest income to average assets | 0.9430% | 1,729 |
| Noninterest expense to average assets | 2.7348% | 4,271 |
| Loan and lease loss provision to assets | 0.3124% | 2,190 |
| Net operating income to assets | 0.8635% | 2,990 |
| Return on assets (ROA) | 0.8681% | 3,209 |
| Pretax return on assets | 1.3111% | 2,352 |
| Return on Equity (ROE) | 9.1482% | 2,562 |
| Retained earnings to average equity (ytd only) | 3.6811% | 3,631 |
| Net charge-offs to loans | 0.4854% | 2,291 |
| Credit loss provision to net charge-offs | 86.1229% | 3,617 |
| Earnings coverage of net charge-offs (x) | 4.4566% | 3,362 |
| Efficiency ratio | 62.8488% | 5,107 |
| Assets per employee ($millions) | 4.2503% | 3,461 |
| Cash dividends to net income (ytd only)* | 59.7610% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 5,663 |
| Loan loss allowance to noncurrent loans | 142.6862% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 1.0931% | 3,824 |
| Noncurrent loans to loans | 0.7521% | 4,674 |
| Net loans and leases to total assets | 73.8820% | 1,210 |
| Net loans and leases to deposits | 87.9707% | 1,278 |
| Net loans and leases to core deposits | 92.0098% | 1,636 |
| Total domestic deposits to total assets | 83.9847% | 4,320 |
| Equity capital to assets | 9.3767% | 5,028 |
| Core capital (leverage) ratio | 9.3207% | 4,378 |
| Tier 1 risk-based capital ratio | 12.7605% | 5,285 |
| Total risk-based capital ratio | 13.8753% | 5,330 |
| Memoranda: | ||
| Average total assets | $260,234,600 | 2,438 |
| Average earning assets | $237,621,200 | 2,437 |
| Average equity | $24,693,400 | 2,689 |
| Average total loans | $194,469,800 | 2,052 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9676% | 1,780 |
| Cost of funding earning assets | 1.2232% | 626 |
| Net interest margin | 3.7443% | 3,584 |
| Noninterest income to average assets | 0.9439% | 1,690 |
| Noninterest expense to average assets | 2.6914% | 4,400 |
| Loan and lease loss provision to assets | 0.3411% | 1,919 |
| Net operating income to assets | 0.8815% | 3,070 |
| Return on assets (ROA) | 0.8815% | 3,313 |
| Pretax return on assets | 1.3299% | 2,494 |
| Return on Equity (ROE) | 9.2611% | 2,692 |
| Retained earnings to average equity (ytd only) | 4.3811% | 3,807 |
| Net charge-offs to loans | 0.3342% | 2,787 |
| Credit loss provision to net charge-offs | 136.5702% | 2,111 |
| Earnings coverage of net charge-offs (x) | 6.6901% | 2,739 |
| Efficiency ratio | 61.6941% | 5,204 |
| Assets per employee ($millions) | 4.0686% | 3,738 |
| Cash dividends to net income (ytd only)* | 52.6931% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 5,036 |
| Loan loss allowance to noncurrent loans | 666.8478% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.8733% | 4,537 |
| Noncurrent loans to loans | 0.1878% | 6,140 |
| Net loans and leases to total assets | 74.3031% | 1,202 |
| Net loans and leases to deposits | 89.2905% | 1,231 |
| Net loans and leases to core deposits | 94.3432% | 1,552 |
| Total domestic deposits to total assets | 83.2150% | 4,556 |
| Equity capital to assets | 9.6285% | 5,024 |
| Core capital (leverage) ratio | 9.3780% | 4,467 |
| Tier 1 risk-based capital ratio | 12.6584% | 5,517 |
| Total risk-based capital ratio | 13.9085% | 5,477 |
| Memoranda: | ||
| Average total assets | $258,351,000 | 2,477 |
| Average earning assets | $235,869,750 | 2,467 |
| Average equity | $24,589,750 | 2,723 |
| Average total loans | $193,092,500 | 2,092 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0280% | 1,712 |
| Cost of funding earning assets | 1.2438% | 671 |
| Net interest margin | 3.7842% | 3,436 |
| Noninterest income to average assets | 0.9772% | 1,522 |
| Noninterest expense to average assets | 2.7229% | 4,314 |
| Loan and lease loss provision to assets | 0.3881% | 1,687 |
| Net operating income to assets | 0.8755% | 3,015 |
| Return on assets (ROA) | 0.8755% | 3,272 |
| Pretax return on assets | 1.3187% | 2,488 |
| Return on Equity (ROE) | 9.2349% | 2,696 |
| Retained earnings to average equity (ytd only) | 3.5040% | 4,263 |
| Net charge-offs to loans | 0.3341% | 2,687 |
| Credit loss provision to net charge-offs | 155.7632% | 1,777 |
| Earnings coverage of net charge-offs (x) | 6.8505% | 2,569 |
| Efficiency ratio | 61.4684% | 5,338 |
| Assets per employee ($millions) | 4.0159% | 3,840 |
| Cash dividends to net income (ytd only)* | 62.0567% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 5,094 |
| Loan loss allowance to noncurrent loans | 149.5737% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 1.6446% | 3,257 |
| Noncurrent loans to loans | 0.8403% | 4,831 |
| Net loans and leases to total assets | 73.9149% | 1,257 |
| Net loans and leases to deposits | 88.5125% | 1,320 |
| Net loans and leases to core deposits | 93.6748% | 1,637 |
| Total domestic deposits to total assets | 83.5079% | 4,526 |
| Equity capital to assets | 9.4421% | 5,141 |
| Core capital (leverage) ratio | 9.4053% | 4,294 |
| Tier 1 risk-based capital ratio | 12.5657% | 5,524 |
| Total risk-based capital ratio | 13.8164% | 5,503 |
| Memoranda: | ||
| Average total assets | $257,670,330 | 2,482 |
| Average earning assets | $235,081,670 | 2,470 |
| Average equity | $24,429,000 | 2,726 |
| Average total loans | $192,145,330 | 2,101 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 1,984 |
| Cost of funding earning assets | 1.2779% | 689 |
| Net interest margin | 3.6943% | 3,861 |
| Noninterest income to average assets | 0.9532% | 1,554 |
| Noninterest expense to average assets | 2.6782% | 4,513 |
| Loan and lease loss provision to assets | 0.3875% | 1,624 |
| Net operating income to assets | 0.8282% | 3,262 |
| Return on assets (ROA) | 0.8282% | 3,490 |
| Pretax return on assets | 1.2391% | 2,768 |
| Return on Equity (ROE) | 8.7171% | 2,943 |
| Retained earnings to average equity (ytd only) | 5.4276% | 3,302 |
| Net charge-offs to loans | 0.5795% | 1,649 |
| Credit loss provision to net charge-offs | 89.8551% | 2,548 |
| Earnings coverage of net charge-offs (x) | 3.7717% | 2,753 |
| Efficiency ratio | 62.2142% | 5,236 |
| Assets per employee ($millions) | 3.9891% | 4,038 |
| Cash dividends to net income (ytd only)* | 37.7358% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 5,561 |
| Loan loss allowance to noncurrent loans | 115.7488% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 2.5361% | 2,332 |
| Noncurrent loans to loans | 1.0242% | 4,633 |
| Net loans and leases to total assets | 72.2935% | 1,350 |
| Net loans and leases to deposits | 86.5194% | 1,356 |
| Net loans and leases to core deposits | 91.8882% | 1,662 |
| Total domestic deposits to total assets | 83.5576% | 4,693 |
| Equity capital to assets | 9.4314% | 4,902 |
| Core capital (leverage) ratio | 9.2875% | 4,383 |
| Tier 1 risk-based capital ratio | 12.5706% | 5,545 |
| Total risk-based capital ratio | 13.7492% | 5,568 |
| Memoranda: | ||
| Average total assets | $255,988,500 | 2,506 |
| Average earning assets | $232,251,000 | 2,520 |
| Average equity | $24,320,000 | 2,736 |
| Average total loans | $190,518,500 | 2,121 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2276% | 1,952 |
| Cost of funding earning assets | 1.5238% | 653 |
| Net interest margin | 3.7038% | 4,280 |
| Noninterest income to average assets | 0.5344% | 3,621 |
| Noninterest expense to average assets | 2.7588% | 4,514 |
| Loan and lease loss provision to assets | 0.3464% | 2,927 |
| Net operating income to assets | 0.5628% | 4,176 |
| Return on assets (ROA) | 0.5662% | 4,347 |
| Pretax return on assets | 0.7950% | 3,998 |
| Return on Equity (ROE) | 6.1109% | 3,812 |
| Retained earnings to average equity (ytd only) | 2.5163% | 4,437 |
| Net charge-offs to loans | 0.5961% | 2,662 |
| Credit loss provision to net charge-offs | 77.2052% | 4,588 |
| Earnings coverage of net charge-offs (x) | 2.5336% | 3,947 |
| Efficiency ratio | 70.8208% | 3,808 |
| Assets per employee ($millions) | 3.9482% | 3,971 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 5,442 |
| Loan loss allowance to noncurrent loans | 97.9776% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 2.3452% | 2,584 |
| Noncurrent loans to loans | 1.2146% | 4,337 |
| Net loans and leases to total assets | 74.8203% | 1,122 |
| Net loans and leases to deposits | 90.6232% | 1,086 |
| Net loans and leases to core deposits | 96.8600% | 1,424 |
| Total domestic deposits to total assets | 82.5620% | 4,944 |
| Equity capital to assets | 9.5712% | 4,780 |
| Core capital (leverage) ratio | 9.4160% | 4,160 |
| Tier 1 risk-based capital ratio | 12.2401% | 5,651 |
| Total risk-based capital ratio | 13.4183% | 5,688 |
| Memoranda: | ||
| Average total assets | $255,219,600 | 2,467 |
| Average earning assets | $231,597,800 | 2,496 |
| Average equity | $23,646,200 | 2,712 |
| Average total loans | $192,097,400 | 2,105 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2746% | 1,957 |
| Cost of funding earning assets | 1.5906% | 608 |
| Net interest margin | 3.6839% | 4,412 |
| Noninterest income to average assets | 0.4998% | 3,873 |
| Noninterest expense to average assets | 2.7468% | 4,545 |
| Loan and lease loss provision to assets | 0.3570% | 2,729 |
| Net operating income to assets | 0.5354% | 4,381 |
| Return on assets (ROA) | 0.5399% | 4,552 |
| Pretax return on assets | 0.7478% | 4,318 |
| Return on Equity (ROE) | 5.8750% | 4,082 |
| Retained earnings to average equity (ytd only) | 3.3231% | 4,358 |
| Net charge-offs to loans | 0.5977% | 2,468 |
| Credit loss provision to net charge-offs | 79.4664% | 4,154 |
| Earnings coverage of net charge-offs (x) | 2.4455% | 3,904 |
| Efficiency ratio | 71.4324% | 3,661 |
| Assets per employee ($millions) | 3.8809% | 4,117 |
| Cash dividends to net income (ytd only)* | 43.4366% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 5,207 |
| Loan loss allowance to noncurrent loans | 68.6138% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 2.8167% | 2,305 |
| Noncurrent loans to loans | 1.8318% | 3,595 |
| Net loans and leases to total assets | 74.6806% | 1,200 |
| Net loans and leases to deposits | 90.8788% | 1,119 |
| Net loans and leases to core deposits | 97.5791% | 1,459 |
| Total domestic deposits to total assets | 82.1760% | 5,027 |
| Equity capital to assets | 9.7166% | 4,754 |
| Core capital (leverage) ratio | 9.3627% | 4,361 |
| Tier 1 risk-based capital ratio | 12.4023% | 5,577 |
| Total risk-based capital ratio | 13.6405% | 5,574 |
| Memoranda: | ||
| Average total assets | $255,853,500 | 2,474 |
| Average earning assets | $232,353,750 | 2,483 |
| Average equity | $23,511,500 | 2,725 |
| Average total loans | $192,287,750 | 2,131 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2978% | 1,902 |
| Cost of funding earning assets | 1.6528% | 563 |
| Net interest margin | 3.6449% | 4,543 |
| Noninterest income to average assets | 0.5744% | 3,300 |
| Noninterest expense to average assets | 2.7692% | 4,548 |
| Loan and lease loss provision to assets | 0.3530% | 2,669 |
| Net operating income to assets | 0.5524% | 4,302 |
| Return on assets (ROA) | 0.5535% | 4,424 |
| Pretax return on assets | 0.7641% | 4,162 |
| Return on Equity (ROE) | 6.1363% | 3,893 |
| Retained earnings to average equity (ytd only) | 3.9907% | 3,662 |
| Net charge-offs to loans | 0.7886% | 1,927 |
| Credit loss provision to net charge-offs | 59.6859% | 4,348 |
| Earnings coverage of net charge-offs (x) | 1.8861% | 3,921 |
| Efficiency ratio | 71.2834% | 3,881 |
| Assets per employee ($millions) | 3.9052% | 3,981 |
| Cash dividends to net income (ytd only)* | 34.9650% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 5,616 |
| Loan loss allowance to noncurrent loans | 80.6802% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 2.3976% | 2,754 |
| Noncurrent loans to loans | 1.4679% | 4,219 |
| Net loans and leases to total assets | 73.3027% | 1,534 |
| Net loans and leases to deposits | 89.2117% | 1,352 |
| Net loans and leases to core deposits | 98.9523% | 1,436 |
| Total domestic deposits to total assets | 82.1672% | 5,109 |
| Equity capital to assets | 9.3580% | 5,057 |
| Core capital (leverage) ratio | 9.1478% | 4,491 |
| Tier 1 risk-based capital ratio | 12.4607% | 5,385 |
| Total risk-based capital ratio | 13.6418% | 5,426 |
| Memoranda: | ||
| Average total assets | $258,345,000 | 2,471 |
| Average earning assets | $234,627,000 | 2,482 |
| Average equity | $23,304,000 | 2,727 |
| Average total loans | $193,766,330 | 2,141 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 1,782 |
| Cost of funding earning assets | 1.6898% | 580 |
| Net interest margin | 3.6400% | 4,371 |
| Noninterest income to average assets | 0.6861% | 2,649 |
| Noninterest expense to average assets | 2.7199% | 4,755 |
| Loan and lease loss provision to assets | 0.3515% | 2,450 |
| Net operating income to assets | 0.6477% | 3,760 |
| Return on assets (ROA) | 0.6477% | 3,839 |
| Pretax return on assets | 0.9179% | 3,435 |
| Return on Equity (ROE) | 7.3140% | 3,241 |
| Retained earnings to average equity (ytd only) | 5.5808% | 2,860 |
| Net charge-offs to loans | 0.4560% | 2,327 |
| Credit loss provision to net charge-offs | 102.2321% | 2,591 |
| Earnings coverage of net charge-offs (x) | 3.6920% | 2,665 |
| Efficiency ratio | 68.1801% | 4,621 |
| Assets per employee ($millions) | 3.9834% | 3,869 |
| Cash dividends to net income (ytd only)* | 23.6967% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 5,032 |
| Loan loss allowance to noncurrent loans | 137.5338% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 2.1459% | 3,135 |
| Noncurrent loans to loans | 0.9605% | 5,121 |
| Net loans and leases to total assets | 73.3696% | 1,445 |
| Net loans and leases to deposits | 88.8240% | 1,373 |
| Net loans and leases to core deposits | 99.6752% | 1,369 |
| Total domestic deposits to total assets | 82.6011% | 5,068 |
| Equity capital to assets | 9.0094% | 5,194 |
| Core capital (leverage) ratio | 8.8319% | 4,879 |
| Tier 1 risk-based capital ratio | 12.0792% | 5,620 |
| Total risk-based capital ratio | 13.3298% | 5,611 |
| Memoranda: | ||
| Average total assets | $260,600,000 | 2,466 |
| Average earning assets | $236,481,000 | 2,480 |
| Average equity | $23,079,000 | 2,737 |
| Average total loans | $196,500,500 | 2,137 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4971% | 2,297 |
| Cost of funding earning assets | 1.9738% | 669 |
| Net interest margin | 3.5233% | 5,146 |
| Noninterest income to average assets | 0.3832% | 5,037 |
| Noninterest expense to average assets | 2.5576% | 5,591 |
| Loan and lease loss provision to assets | 1.0203% | 1,588 |
| Net operating income to assets | 0.1074% | 5,573 |
| Return on assets (ROA) | 0.1285% | 5,657 |
| Pretax return on assets | 0.0587% | 5,788 |
| Return on Equity (ROE) | 1.4411% | 5,574 |
| Retained earnings to average equity (ytd only) | -0.4947% | 5,707 |
| Net charge-offs to loans | 1.0686% | 2,074 |
| Credit loss provision to net charge-offs | 124.4153% | 3,312 |
| Earnings coverage of net charge-offs (x) | 1.2900% | 4,812 |
| Efficiency ratio | 70.7405% | 4,027 |
| Assets per employee ($millions) | 4.0982% | 3,584 |
| Cash dividends to net income (ytd only)* | 134.3284% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 5,180 |
| Loan loss allowance to noncurrent loans | 146.8750% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 2.3280% | 2,940 |
| Noncurrent loans to loans | 0.8619% | 5,345 |
| Net loans and leases to total assets | 75.4733% | 1,385 |
| Net loans and leases to deposits | 90.8091% | 1,421 |
| Net loans and leases to core deposits | 102.4071% | 1,422 |
| Total domestic deposits to total assets | 83.1121% | 4,750 |
| Equity capital to assets | 8.7048% | 5,578 |
| Core capital (leverage) ratio | 8.6908% | 5,037 |
| Tier 1 risk-based capital ratio | 11.4870% | 5,923 |
| Total risk-based capital ratio | 12.7372% | 5,924 |
| Memoranda: | ||
| Average total assets | $260,709,800 | 2,448 |
| Average earning assets | $239,179,000 | 2,433 |
| Average equity | $23,246,400 | 2,729 |
| Average total loans | $200,083,000 | 2,151 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4583% | 2,608 |
| Cost of funding earning assets | 2.0310% | 686 |
| Net interest margin | 3.4272% | 5,581 |
| Noninterest income to average assets | 0.6761% | 2,972 |
| Noninterest expense to average assets | 2.5363% | 5,580 |
| Loan and lease loss provision to assets | 1.2205% | 1,167 |
| Net operating income to assets | 0.1055% | 5,762 |
| Return on assets (ROA) | 0.1916% | 5,692 |
| Pretax return on assets | 0.1547% | 5,825 |
| Return on Equity (ROE) | 2.1355% | 5,564 |
| Retained earnings to average equity (ytd only) | -0.4340% | 5,900 |
| Net charge-offs to loans | 1.3514% | 1,502 |
| Credit loss provision to net charge-offs | 117.5629% | 3,534 |
| Earnings coverage of net charge-offs (x) | 1.2417% | 4,823 |
| Efficiency ratio | 66.3007% | 4,801 |
| Assets per employee ($millions) | 4.2236% | 3,400 |
| Cash dividends to net income (ytd only)* | 120.3229% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 5,661 |
| Loan loss allowance to noncurrent loans | 60.9299% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 3.1069% | 2,328 |
| Noncurrent loans to loans | 1.9047% | 3,795 |
| Net loans and leases to total assets | 77.1463% | 1,189 |
| Net loans and leases to deposits | 93.4231% | 1,271 |
| Net loans and leases to core deposits | 106.0717% | 1,317 |
| Total domestic deposits to total assets | 82.5773% | 4,760 |
| Equity capital to assets | 8.9832% | 5,603 |
| Core capital (leverage) ratio | 8.6922% | 5,202 |
| Tier 1 risk-based capital ratio | 11.0903% | 6,295 |
| Total risk-based capital ratio | 12.2291% | 6,378 |
| Memoranda: | ||
| Average total assets | $260,316,750 | 2,484 |
| Average earning assets | $239,214,500 | 2,474 |
| Average equity | $23,350,250 | 2,768 |
| Average total loans | $199,981,000 | 2,186 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4141% | 2,913 |
| Cost of funding earning assets | 2.0836% | 701 |
| Net interest margin | 3.3305% | 5,904 |
| Noninterest income to average assets | 0.6682% | 2,908 |
| Noninterest expense to average assets | 2.5874% | 5,367 |
| Loan and lease loss provision to assets | 1.3649% | 991 |
| Net operating income to assets | -0.0412% | 6,138 |
| Return on assets (ROA) | 0.0416% | 6,109 |
| Pretax return on assets | -0.0931% | 6,238 |
| Return on Equity (ROE) | 0.4637% | 6,093 |
| Retained earnings to average equity (ytd only) | -1.6830% | 6,096 |
| Net charge-offs to loans | 1.5163% | 1,260 |
| Credit loss provision to net charge-offs | 117.8073% | 3,446 |
| Earnings coverage of net charge-offs (x) | 0.9860% | 4,799 |
| Efficiency ratio | 69.3705% | 4,301 |
| Assets per employee ($millions) | 4.1793% | 3,428 |
| Cash dividends to net income (ytd only)* | 462.9630% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 5,790 |
| Loan loss allowance to noncurrent loans | 40.4391% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 3.1979% | 2,216 |
| Noncurrent loans to loans | 2.7964% | 2,856 |
| Net loans and leases to total assets | 75.8434% | 1,520 |
| Net loans and leases to deposits | 92.0918% | 1,515 |
| Net loans and leases to core deposits | 111.0863% | 1,092 |
| Total domestic deposits to total assets | 82.3562% | 4,847 |
| Equity capital to assets | 8.8023% | 5,751 |
| Core capital (leverage) ratio | 8.7740% | 4,967 |
| Tier 1 risk-based capital ratio | 11.1332% | 6,111 |
| Total risk-based capital ratio | 12.2398% | 6,231 |
| Memoranda: | ||
| Average total assets | $259,800,330 | 2,506 |
| Average earning assets | $238,820,000 | 2,490 |
| Average equity | $23,292,330 | 2,762 |
| Average total loans | $198,510,670 | 2,229 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4070% | 3,002 |
| Cost of funding earning assets | 2.1463% | 694 |
| Net interest margin | 3.2607% | 6,093 |
| Noninterest income to average assets | 0.8215% | 1,925 |
| Noninterest expense to average assets | 2.5080% | 5,694 |
| Loan and lease loss provision to assets | 2.4042% | 442 |
| Net operating income to assets | -0.5635% | 6,872 |
| Return on assets (ROA) | -0.3968% | 6,795 |
| Pretax return on assets | -0.8277% | 6,966 |
| Return on Equity (ROE) | -4.3853% | 6,848 |
| Retained earnings to average equity (ytd only) | -6.0984% | 6,670 |
| Net charge-offs to loans | 2.8763% | 541 |
| Credit loss provision to net charge-offs | 109.6113% | 3,144 |
| Earnings coverage of net charge-offs (x) | 0.6000% | 4,487 |
| Efficiency ratio | 65.5857% | 5,210 |
| Assets per employee ($millions) | 4.1299% | 3,599 |
| Cash dividends to net income (ytd only)* | -39.0625% | 7,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 6,032 |
| Loan loss allowance to noncurrent loans | 48.9982% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 2.8638% | 2,519 |
| Noncurrent loans to loans | 2.2330% | 3,481 |
| Net loans and leases to total assets | 75.9721% | 1,548 |
| Net loans and leases to deposits | 92.8128% | 1,498 |
| Net loans and leases to core deposits | 112.7755% | 1,115 |
| Total domestic deposits to total assets | 81.8551% | 5,133 |
| Equity capital to assets | 9.0336% | 5,228 |
| Core capital (leverage) ratio | 8.7102% | 5,011 |
| Tier 1 risk-based capital ratio | 11.3738% | 5,792 |
| Total risk-based capital ratio | 12.4464% | 5,918 |
| Memoranda: | ||
| Average total assets | $258,053,500 | 2,575 |
| Average earning assets | $237,617,000 | 2,556 |
| Average equity | $23,350,500 | 2,783 |
| Average total loans | $196,778,500 | 2,307 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4720% | 4,314 |
| Cost of funding earning assets | 2.5309% | 945 |
| Net interest margin | 2.9411% | 6,779 |
| Noninterest income to average assets | 0.5674% | 3,887 |
| Noninterest expense to average assets | 2.4808% | 6,204 |
| Loan and lease loss provision to assets | 0.4753% | 3,979 |
| Net operating income to assets | 0.3036% | 4,525 |
| Return on assets (ROA) | 0.3686% | 4,354 |
| Pretax return on assets | 0.4239% | 4,422 |
| Return on Equity (ROE) | 4.2599% | 3,979 |
| Retained earnings to average equity (ytd only) | 0.3517% | 4,711 |
| Net charge-offs to loans | 0.7887% | 2,855 |
| Credit loss provision to net charge-offs | 78.0382% | 6,340 |
| Earnings coverage of net charge-offs (x) | 1.3535% | 4,778 |
| Efficiency ratio | 75.0568% | 3,703 |
| Assets per employee ($millions) | 4.1944% | 3,452 |
| Cash dividends to net income (ytd only)* | 91.7431% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 6,244 |
| Loan loss allowance to noncurrent loans | 34.4145% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 3.3697% | 2,018 |
| Noncurrent loans to loans | 2.9755% | 2,585 |
| Net loans and leases to total assets | 74.9307% | 2,051 |
| Net loans and leases to deposits | 91.3630% | 1,992 |
| Net loans and leases to core deposits | 110.7286% | 2,818 |
| Total domestic deposits to total assets | 82.0143% | 4,943 |
| Equity capital to assets | 9.0636% | 5,043 |
| Core capital (leverage) ratio | 8.7539% | 4,830 |
| Tier 1 risk-based capital ratio | 11.6239% | 5,268 |
| Total risk-based capital ratio | 12.6350% | 5,484 |
| Memoranda: | ||
| Average total assets | $266,126,600 | 2,463 |
| Average earning assets | $247,733,200 | 2,426 |
| Average equity | $23,028,800 | 2,824 |
| Average total loans | $205,535,200 | 2,252 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4662% | 4,598 |
| Cost of funding earning assets | 2.5913% | 1,055 |
| Net interest margin | 2.8749% | 6,911 |
| Noninterest income to average assets | 0.5251% | 4,281 |
| Noninterest expense to average assets | 2.4470% | 6,262 |
| Loan and lease loss provision to assets | 0.4284% | 3,760 |
| Net operating income to assets | 0.2987% | 4,795 |
| Return on assets (ROA) | 0.3537% | 4,675 |
| Pretax return on assets | 0.3975% | 4,809 |
| Return on Equity (ROE) | 4.1350% | 4,327 |
| Retained earnings to average equity (ytd only) | 1.2230% | 4,642 |
| Net charge-offs to loans | 0.7209% | 2,552 |
| Credit loss provision to net charge-offs | 76.5806% | 5,851 |
| Earnings coverage of net charge-offs (x) | 1.3660% | 4,759 |
| Efficiency ratio | 76.2023% | 3,475 |
| Assets per employee ($millions) | 4.3201% | 3,170 |
| Cash dividends to net income (ytd only)* | 70.4228% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 6,082 |
| Loan loss allowance to noncurrent loans | 31.6905% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 3.1780% | 2,135 |
| Noncurrent loans to loans | 3.2692% | 2,317 |
| Net loans and leases to total assets | 75.2154% | 2,186 |
| Net loans and leases to deposits | 92.8729% | 2,080 |
| Net loans and leases to core deposits | 113.8449% | 2,841 |
| Total domestic deposits to total assets | 80.9874% | 5,086 |
| Equity capital to assets | 8.9384% | 5,575 |
| Core capital (leverage) ratio | 8.6270% | 5,262 |
| Tier 1 risk-based capital ratio | 11.0018% | 5,954 |
| Total risk-based capital ratio | 11.9974% | 6,171 |
| Memoranda: | ||
| Average total assets | $267,645,500 | 2,452 |
| Average earning assets | $250,065,250 | 2,425 |
| Average equity | $22,893,500 | 2,866 |
| Average total loans | $207,700,500 | 2,244 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5107% | 4,565 |
| Cost of funding earning assets | 2.6424% | 1,176 |
| Net interest margin | 2.8683% | 6,869 |
| Noninterest income to average assets | 0.5905% | 3,769 |
| Noninterest expense to average assets | 2.5533% | 5,934 |
| Loan and lease loss provision to assets | 0.2055% | 4,996 |
| Net operating income to assets | 0.4238% | 4,408 |
| Return on assets (ROA) | 0.4373% | 4,459 |
| Pretax return on assets | 0.5344% | 4,514 |
| Return on Equity (ROE) | 5.1898% | 3,995 |
| Retained earnings to average equity (ytd only) | 2.5284% | 3,925 |
| Net charge-offs to loans | 0.4831% | 2,896 |
| Credit loss provision to net charge-offs | 54.4554% | 5,690 |
| Earnings coverage of net charge-offs (x) | 1.9168% | 4,145 |
| Efficiency ratio | 77.9197% | 3,358 |
| Assets per employee ($millions) | 4.1753% | 3,342 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 6,024 |
| Loan loss allowance to noncurrent loans | 26.7750% | 6,716 |
| Noncurrent assets plus other real estate owned to assets | 3.1618% | 1,985 |
| Noncurrent loans to loans | 3.8466% | 1,767 |
| Net loans and leases to total assets | 75.8427% | 2,219 |
| Net loans and leases to deposits | 92.8292% | 2,312 |
| Net loans and leases to core deposits | 116.6787% | 2,648 |
| Total domestic deposits to total assets | 81.7013% | 4,819 |
| Equity capital to assets | 8.7223% | 5,721 |
| Core capital (leverage) ratio | 8.6966% | 5,093 |
| Tier 1 risk-based capital ratio | 10.8732% | 6,006 |
| Total risk-based capital ratio | 11.8693% | 6,201 |
| Memoranda: | ||
| Average total assets | $267,579,330 | 2,462 |
| Average earning assets | $250,602,330 | 2,437 |
| Average equity | $22,544,330 | 2,909 |
| Average total loans | $209,077,670 | 2,254 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6192% | 4,246 |
| Cost of funding earning assets | 2.6820% | 1,320 |
| Net interest margin | 2.9372% | 6,646 |
| Noninterest income to average assets | 0.6324% | 3,335 |
| Noninterest expense to average assets | 2.5249% | 5,748 |
| Loan and lease loss provision to assets | 0.1445% | 5,099 |
| Net operating income to assets | 0.5727% | 4,131 |
| Return on assets (ROA) | 0.5992% | 4,207 |
| Pretax return on assets | 0.7513% | 4,251 |
| Return on Equity (ROE) | 7.2428% | 3,484 |
| Retained earnings to average equity (ytd only) | 3.6032% | 3,891 |
| Net charge-offs to loans | 0.2977% | 2,922 |
| Credit loss provision to net charge-offs | 61.5385% | 4,488 |
| Earnings coverage of net charge-offs (x) | 3.6731% | 3,102 |
| Efficiency ratio | 74.5333% | 3,728 |
| Assets per employee ($millions) | 4.1445% | 3,369 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 5,525 |
| Loan loss allowance to noncurrent loans | 52.2604% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 1.9228% | 3,025 |
| Noncurrent loans to loans | 2.0911% | 3,130 |
| Net loans and leases to total assets | 77.6749% | 1,898 |
| Net loans and leases to deposits | 94.5481% | 2,182 |
| Net loans and leases to core deposits | 120.7179% | 2,354 |
| Total domestic deposits to total assets | 82.1539% | 4,490 |
| Equity capital to assets | 8.2282% | 6,500 |
| Core capital (leverage) ratio | 8.1511% | 6,186 |
| Tier 1 risk-based capital ratio | 10.1906% | 6,727 |
| Total risk-based capital ratio | 11.2717% | 6,804 |
| Memoranda: | ||
| Average total assets | $265,671,000 | 2,501 |
| Average earning assets | $249,218,500 | 2,455 |
| Average equity | $21,980,500 | 2,978 |
| Average total loans | $209,628,500 | 2,273 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2333% | 4,337 |
| Cost of funding earning assets | 3.0222% | 1,791 |
| Net interest margin | 3.2111% | 6,337 |
| Noninterest income to average assets | 0.6518% | 3,460 |
| Noninterest expense to average assets | 2.5087% | 5,968 |
| Loan and lease loss provision to assets | 0.5094% | 2,772 |
| Net operating income to assets | 0.5309% | 4,613 |
| Return on assets (ROA) | 0.5309% | 4,464 |
| Pretax return on assets | 0.6155% | 4,645 |
| Return on Equity (ROE) | 6.0019% | 3,942 |
| Retained earnings to average equity (ytd only) | 3.9017% | 2,702 |
| Net charge-offs to loans | 0.2627% | 3,656 |
| Credit loss provision to net charge-offs | 248.7903% | 1,874 |
| Earnings coverage of net charge-offs (x) | 5.4940% | 3,628 |
| Efficiency ratio | 69.0411% | 4,524 |
| Assets per employee ($millions) | 3.9689% | 3,584 |
| Cash dividends to net income (ytd only)* | 34.9922% | 3,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 4,980 |
| Loan loss allowance to noncurrent loans | 64.5091% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 1.5304% | 3,158 |
| Noncurrent loans to loans | 1.7704% | 3,111 |
| Net loans and leases to total assets | 78.3825% | 2,029 |
| Net loans and leases to deposits | 95.0411% | 2,602 |
| Net loans and leases to core deposits | 117.8669% | 2,904 |
| Total domestic deposits to total assets | 82.4722% | 4,006 |
| Equity capital to assets | 8.3203% | 6,388 |
| Core capital (leverage) ratio | 8.4047% | 5,752 |
| Tier 1 risk-based capital ratio | 10.1610% | 6,564 |
| Total risk-based capital ratio | 11.2770% | 6,586 |
| Memoranda: | ||
| Average total assets | $242,240,000 | 2,631 |
| Average earning assets | $224,936,800 | 2,601 |
| Average equity | $21,426,600 | 3,046 |
| Average total loans | $188,778,000 | 2,409 |