Home > Municipal Trust and Savings Bank > Performance and Condition Ratios
Municipal Trust and Savings 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 | 4.6188% | 2,858 |
| Cost of funding earning assets | 0.5865% | 4,090 |
| Net interest margin | 4.0323% | 1,156 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 1.7108% | 4,121 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 2.4370% | 256 |
| Return on assets (ROA) | 2.4370% | 248 |
| Pretax return on assets | 2.6021% | 301 |
| Return on Equity (ROE) | 16.6300% | 1,000 |
| Retained earnings to average equity (ytd only) | 16.6334% | 235 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 39.2725% | 4,376 |
| Assets per employee ($millions) | 6.6106% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 2,879 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 68.9600% | 1,924 |
| Net loans and leases to deposits | 88.7134% | 1,373 |
| Net loans and leases to core deposits | 94.9139% | 1,717 |
| Total domestic deposits to total assets | 77.7300% | 3,765 |
| Equity capital to assets | 15.6719% | 494 |
| Core capital (leverage) ratio | 16.0112% | 486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $346,450,800 | 2,207 |
| Average earning assets | $333,137,600 | 2,164 |
| Average equity | $50,759,200 | 1,591 |
| Average total loans | $239,052,800 | 2,063 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5023% | 2,911 |
| Cost of funding earning assets | 0.4790% | 4,166 |
| Net interest margin | 4.0232% | 1,185 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 1.6742% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.5695% | 250 |
| Return on assets (ROA) | 2.5695% | 244 |
| Pretax return on assets | 2.7401% | 298 |
| Return on Equity (ROE) | 17.8500% | 966 |
| Retained earnings to average equity (ytd only) | 17.8535% | 345 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 37.9262% | 4,411 |
| Assets per employee ($millions) | 7.0274% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 3,221 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 70.4100% | 1,777 |
| Net loans and leases to deposits | 87.8008% | 1,407 |
| Net loans and leases to core deposits | 94.0185% | 1,674 |
| Total domestic deposits to total assets | 80.1900% | 3,501 |
| Equity capital to assets | 15.4276% | 493 |
| Core capital (leverage) ratio | 15.3657% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $345,473,500 | 2,219 |
| Average earning assets | $332,595,750 | 2,173 |
| Average equity | $49,722,000 | 1,600 |
| Average total loans | $237,747,000 | 2,065 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 3,069 |
| Cost of funding earning assets | 0.3854% | 4,190 |
| Net interest margin | 3.9290% | 1,373 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 1.7372% | 4,100 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.5196% | 242 |
| Return on assets (ROA) | 2.5196% | 237 |
| Pretax return on assets | 2.6942% | 289 |
| Return on Equity (ROE) | 17.9300% | 966 |
| Retained earnings to average equity (ytd only) | 17.9345% | 344 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 39.2014% | 4,413 |
| Assets per employee ($millions) | 7.1340% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 3,264 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 68.7500% | 1,875 |
| Net loans and leases to deposits | 84.0690% | 1,663 |
| Net loans and leases to core deposits | 90.5098% | 1,760 |
| Total domestic deposits to total assets | 81.7800% | 3,278 |
| Equity capital to assets | 14.5389% | 571 |
| Core capital (leverage) ratio | 14.8267% | 614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $345,850,333 | 2,220 |
| Average earning assets | $332,657,000 | 2,177 |
| Average equity | $48,588,000 | 1,633 |
| Average total loans | $235,339,667 | 2,075 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1535% | 3,132 |
| Cost of funding earning assets | 0.3117% | 4,166 |
| Net interest margin | 3.8418% | 1,599 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 1.6338% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3384% | 306 |
| Return on assets (ROA) | 2.3384% | 306 |
| Pretax return on assets | 2.4989% | 360 |
| Return on Equity (ROE) | 16.9500% | 1,182 |
| Retained earnings to average equity (ytd only) | 16.9453% | 598 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 39.5329% | 4,457 |
| Assets per employee ($millions) | 7.1792% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 3,135 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 2,827 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 66.6200% | 1,996 |
| Net loans and leases to deposits | 80.9858% | 1,749 |
| Net loans and leases to core deposits | 86.6446% | 1,828 |
| Total domestic deposits to total assets | 82.2700% | 3,439 |
| Equity capital to assets | 14.0672% | 590 |
| Core capital (leverage) ratio | 14.0168% | 735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $343,992,500 | 2,260 |
| Average earning assets | $331,095,000 | 2,208 |
| Average equity | $47,470,500 | 1,674 |
| Average total loans | $231,587,500 | 2,111 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6088% | 2,779 |
| Cost of funding earning assets | 0.2123% | 3,657 |
| Net interest margin | 3.3965% | 2,269 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 1.5216% | 4,403 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.0989% | 246 |
| Return on assets (ROA) | 2.0989% | 238 |
| Pretax return on assets | 2.2311% | 299 |
| Return on Equity (ROE) | 15.0200% | 1,254 |
| Retained earnings to average equity (ytd only) | -12.2131% | 4,653 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 40.5464% | 4,528 |
| Assets per employee ($millions) | 7.0078% | 1,974 |
| Cash dividends to net income (ytd only)* | 181.3025% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 2,479 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 2,836 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 66.5000% | 1,980 |
| Net loans and leases to deposits | 79.7963% | 1,790 |
| Net loans and leases to core deposits | 84.1992% | 1,871 |
| Total domestic deposits to total assets | 83.3300% | 3,348 |
| Equity capital to assets | 13.5316% | 625 |
| Core capital (leverage) ratio | 13.1861% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $356,997,600 | 2,196 |
| Average earning assets | $341,530,000 | 2,147 |
| Average equity | $49,881,000 | 1,625 |
| Average total loans | $221,427,200 | 2,101 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4567% | 2,757 |
| Cost of funding earning assets | 0.2064% | 3,197 |
| Net interest margin | 3.2504% | 2,457 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 1.4110% | 4,500 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.1106% | 240 |
| Return on assets (ROA) | 2.1106% | 238 |
| Pretax return on assets | 2.2578% | 292 |
| Return on Equity (ROE) | 14.9900% | 1,179 |
| Retained earnings to average equity (ytd only) | -1.2299% | 4,440 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 38.4592% | 4,606 |
| Assets per employee ($millions) | 6.8491% | 2,061 |
| Cash dividends to net income (ytd only)* | 108.2033% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 2,641 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 2,974 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 64.2900% | 2,060 |
| Net loans and leases to deposits | 79.3818% | 1,612 |
| Net loans and leases to core deposits | 83.9938% | 1,653 |
| Total domestic deposits to total assets | 80.9900% | 3,982 |
| Equity capital to assets | 14.6255% | 487 |
| Core capital (leverage) ratio | 14.7560% | 571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $360,401,500 | 2,195 |
| Average earning assets | $344,323,500 | 2,149 |
| Average equity | $50,735,000 | 1,632 |
| Average total loans | $219,016,750 | 2,114 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3367% | 2,619 |
| Cost of funding earning assets | 0.2088% | 2,802 |
| Net interest margin | 3.1279% | 2,442 |
| Noninterest income to average assets | 0.6705% | 1,459 |
| Noninterest expense to average assets | 1.4057% | 4,524 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.0994% | 187 |
| Return on assets (ROA) | 2.0994% | 185 |
| Pretax return on assets | 2.2464% | 230 |
| Return on Equity (ROE) | 15.1063% | 872 |
| Retained earnings to average equity (ytd only) | -9.4464% | 4,650 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4895% | 4,644 |
| Assets per employee ($millions) | 7.2292% | 1,788 |
| Cash dividends to net income (ytd only)* | 162.5329% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 3,048 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 60.6490% | 2,256 |
| Net loans and leases to deposits | 74.0567% | 1,867 |
| Net loans and leases to core deposits | 78.1668% | 1,845 |
| Total domestic deposits to total assets | 81.8954% | 4,015 |
| Equity capital to assets | 13.8831% | 536 |
| Core capital (leverage) ratio | 13.6676% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,817,667 | 2,191 |
| Average earning assets | $344,894,667 | 2,163 |
| Average equity | $50,283,667 | 1,678 |
| Average total loans | $214,789,333 | 2,147 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2038% | 2,679 |
| Cost of funding earning assets | 0.2067% | 2,701 |
| Net interest margin | 2.9971% | 2,514 |
| Noninterest income to average assets | 0.5646% | 1,847 |
| Noninterest expense to average assets | 1.3713% | 4,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.9094% | 263 |
| Return on assets (ROA) | 1.9094% | 262 |
| Pretax return on assets | 2.0453% | 327 |
| Return on Equity (ROE) | 13.7321% | 885 |
| Retained earnings to average equity (ytd only) | -35.3237% | 4,761 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1358% | 4,640 |
| Assets per employee ($millions) | 7.2048% | 1,855 |
| Cash dividends to net income (ytd only)* | 357.2338% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 2,445 |
| Loan loss allowance to noncurrent loans | 2,528.7037% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 2,781 |
| Noncurrent loans to loans | 0.0507% | 3,620 |
| Net loans and leases to total assets | 57.2481% | 2,386 |
| Net loans and leases to deposits | 69.8683% | 1,978 |
| Net loans and leases to core deposits | 74.3064% | 1,916 |
| Total domestic deposits to total assets | 81.9371% | 4,083 |
| Equity capital to assets | 13.0937% | 673 |
| Core capital (leverage) ratio | 13.1955% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,996,500 | 2,197 |
| Average earning assets | $344,469,500 | 2,169 |
| Average equity | $50,334,500 | 1,736 |
| Average total loans | $211,207,500 | 2,163 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2689% | 3,300 |
| Cost of funding earning assets | 0.2818% | 2,581 |
| Net interest margin | 2.9871% | 3,231 |
| Noninterest income to average assets | 0.5859% | 2,222 |
| Noninterest expense to average assets | 1.5552% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7875% | 522 |
| Return on assets (ROA) | 1.7875% | 544 |
| Pretax return on assets | 1.9111% | 709 |
| Return on Equity (ROE) | 12.4557% | 1,672 |
| Retained earnings to average equity (ytd only) | 12.4557% | 479 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8664% | 4,544 |
| Assets per employee ($millions) | 6.1474% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,337 |
| Loan loss allowance to noncurrent loans | 1,655.1515% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 2,934 |
| Noncurrent loans to loans | 0.0788% | 3,537 |
| Net loans and leases to total assets | 57.9439% | 2,381 |
| Net loans and leases to deposits | 71.6835% | 1,944 |
| Net loans and leases to core deposits | 77.2148% | 1,825 |
| Total domestic deposits to total assets | 80.8330% | 4,123 |
| Equity capital to assets | 14.7404% | 535 |
| Core capital (leverage) ratio | 14.7708% | 495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $345,617,200 | 2,219 |
| Average earning assets | $333,265,800 | 2,173 |
| Average equity | $49,599,800 | 1,783 |
| Average total loans | $206,738,200 | 2,194 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3023% | 3,383 |
| Cost of funding earning assets | 0.2996% | 2,599 |
| Net interest margin | 3.0027% | 3,296 |
| Noninterest income to average assets | 0.5386% | 2,462 |
| Noninterest expense to average assets | 1.4881% | 4,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9162% | 539 |
| Return on assets (ROA) | 1.9162% | 560 |
| Pretax return on assets | 1.9462% | 874 |
| Return on Equity (ROE) | 13.4475% | 1,560 |
| Retained earnings to average equity (ytd only) | 13.4475% | 574 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3311% | 4,608 |
| Assets per employee ($millions) | 6.1661% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 2,364 |
| Loan loss allowance to noncurrent loans | 1,123.8683% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 1,835 |
| Noncurrent loans to loans | 0.1180% | 3,502 |
| Net loans and leases to total assets | 57.8169% | 2,518 |
| Net loans and leases to deposits | 70.2692% | 2,210 |
| Net loans and leases to core deposits | 75.9106% | 2,060 |
| Total domestic deposits to total assets | 82.2792% | 3,868 |
| Equity capital to assets | 14.5789% | 625 |
| Core capital (leverage) ratio | 14.6541% | 537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8143% | 258 |
| Memoranda: | ||
| Average total assets | $342,884,000 | 2,257 |
| Average earning assets | $330,669,500 | 2,208 |
| Average equity | $48,860,500 | 1,825 |
| Average total loans | $206,090,250 | 2,232 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3685% | 3,269 |
| Cost of funding earning assets | 0.3240% | 2,554 |
| Net interest margin | 3.0444% | 3,193 |
| Noninterest income to average assets | 0.6135% | 2,158 |
| Noninterest expense to average assets | 1.5058% | 4,616 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0105% | 478 |
| Return on assets (ROA) | 2.0105% | 504 |
| Pretax return on assets | 2.0422% | 766 |
| Return on Equity (ROE) | 14.2217% | 1,348 |
| Retained earnings to average equity (ytd only) | 14.2217% | 516 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4403% | 4,681 |
| Assets per employee ($millions) | 6.2117% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 2,394 |
| Loan loss allowance to noncurrent loans | 796.2099% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.6678% | 1,244 |
| Noncurrent loans to loans | 0.1642% | 3,392 |
| Net loans and leases to total assets | 59.2565% | 2,512 |
| Net loans and leases to deposits | 72.4645% | 2,168 |
| Net loans and leases to core deposits | 78.5230% | 2,003 |
| Total domestic deposits to total assets | 81.7731% | 3,963 |
| Equity capital to assets | 14.2962% | 662 |
| Core capital (leverage) ratio | 14.3455% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6908% | 254 |
| Memoranda: | ||
| Average total assets | $340,022,667 | 2,254 |
| Average earning assets | $327,746,000 | 2,206 |
| Average equity | $48,067,333 | 1,826 |
| Average total loans | $206,140,667 | 2,234 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4876% | 2,963 |
| Cost of funding earning assets | 0.3553% | 2,484 |
| Net interest margin | 3.1323% | 2,899 |
| Noninterest income to average assets | 0.7141% | 1,829 |
| Noninterest expense to average assets | 1.4983% | 4,656 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2005% | 419 |
| Return on assets (ROA) | 2.2005% | 454 |
| Pretax return on assets | 2.2374% | 647 |
| Return on Equity (ROE) | 15.6575% | 1,084 |
| Retained earnings to average equity (ytd only) | 15.6575% | 554 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1083% | 4,737 |
| Assets per employee ($millions) | 6.2506% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 2,353 |
| Loan loss allowance to noncurrent loans | 606.8889% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7068% | 1,320 |
| Noncurrent loans to loans | 0.2173% | 3,328 |
| Net loans and leases to total assets | 59.4424% | 2,612 |
| Net loans and leases to deposits | 72.5970% | 2,255 |
| Net loans and leases to core deposits | 78.8497% | 2,107 |
| Total domestic deposits to total assets | 81.8800% | 3,914 |
| Equity capital to assets | 14.0090% | 670 |
| Core capital (leverage) ratio | 14.3458% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2806% | 269 |
| Memoranda: | ||
| Average total assets | $336,107,000 | 2,255 |
| Average earning assets | $324,235,500 | 2,205 |
| Average equity | $47,236,000 | 1,850 |
| Average total loans | $204,782,500 | 2,247 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 2,642 |
| Cost of funding earning assets | 0.5488% | 2,620 |
| Net interest margin | 3.4802% | 2,531 |
| Noninterest income to average assets | 0.6852% | 1,913 |
| Noninterest expense to average assets | 1.5464% | 4,747 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.4339% | 144 |
| Return on assets (ROA) | 2.4339% | 152 |
| Pretax return on assets | 2.4724% | 196 |
| Return on Equity (ROE) | 16.2493% | 474 |
| Retained earnings to average equity (ytd only) | -2.7907% | 4,749 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4788% | 4,897 |
| Assets per employee ($millions) | 6.1968% | 2,171 |
| Cash dividends to net income (ytd only)* | 117.1746% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 2,196 |
| Loan loss allowance to noncurrent loans | 104.2366% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.4006% | 549 |
| Noncurrent loans to loans | 1.2940% | 1,058 |
| Net loans and leases to total assets | 60.8195% | 2,756 |
| Net loans and leases to deposits | 74.0912% | 2,473 |
| Net loans and leases to core deposits | 80.2453% | 2,343 |
| Total domestic deposits to total assets | 82.0875% | 3,645 |
| Equity capital to assets | 14.1008% | 771 |
| Core capital (leverage) ratio | 13.6300% | 755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3828% | 279 |
| Memoranda: | ||
| Average total assets | $322,234,400 | 2,178 |
| Average earning assets | $308,659,600 | 2,128 |
| Average equity | $48,266,600 | 1,746 |
| Average total loans | $195,790,800 | 2,278 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 2,484 |
| Cost of funding earning assets | 0.5815% | 2,729 |
| Net interest margin | 3.5830% | 2,330 |
| Noninterest income to average assets | 0.6823% | 1,851 |
| Noninterest expense to average assets | 1.3887% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.6784% | 120 |
| Return on assets (ROA) | 2.6784% | 123 |
| Pretax return on assets | 2.7212% | 153 |
| Return on Equity (ROE) | 17.6167% | 390 |
| Retained earnings to average equity (ytd only) | 6.6698% | 1,823 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.7886% | 4,974 |
| Assets per employee ($millions) | 6.0068% | 2,259 |
| Cash dividends to net income (ytd only)* | 62.1391% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 2,082 |
| Loan loss allowance to noncurrent loans | 105.0385% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.5501% | 540 |
| Noncurrent loans to loans | 1.2560% | 1,197 |
| Net loans and leases to total assets | 62.9773% | 2,891 |
| Net loans and leases to deposits | 77.8251% | 2,548 |
| Net loans and leases to core deposits | 85.4808% | 2,345 |
| Total domestic deposits to total assets | 80.9216% | 3,677 |
| Equity capital to assets | 15.4175% | 554 |
| Core capital (leverage) ratio | 15.3745% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0544% | 255 |
| Memoranda: | ||
| Average total assets | $320,685,750 | 2,167 |
| Average earning assets | $306,773,000 | 2,119 |
| Average equity | $48,755,500 | 1,724 |
| Average total loans | $194,118,500 | 2,289 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 2,500 |
| Cost of funding earning assets | 0.6149% | 2,892 |
| Net interest margin | 3.6750% | 2,256 |
| Noninterest income to average assets | 0.5409% | 2,390 |
| Noninterest expense to average assets | 1.3341% | 4,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.6839% | 111 |
| Return on assets (ROA) | 2.6839% | 117 |
| Pretax return on assets | 2.7277% | 151 |
| Return on Equity (ROE) | 17.7377% | 392 |
| Retained earnings to average equity (ytd only) | 1.1751% | 4,046 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.8453% | 5,001 |
| Assets per employee ($millions) | 6.4961% | 1,778 |
| Cash dividends to net income (ytd only)* | 93.3753% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 1,717 |
| Loan loss allowance to noncurrent loans | 105.2408% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 1.5465% | 592 |
| Noncurrent loans to loans | 1.2963% | 1,199 |
| Net loans and leases to total assets | 60.7939% | 3,237 |
| Net loans and leases to deposits | 74.3273% | 3,042 |
| Net loans and leases to core deposits | 81.5227% | 2,812 |
| Total domestic deposits to total assets | 81.7921% | 3,425 |
| Equity capital to assets | 14.7335% | 678 |
| Core capital (leverage) ratio | 14.5699% | 641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5838% | 270 |
| Memoranda: | ||
| Average total assets | $319,459,000 | 2,151 |
| Average earning assets | $306,064,000 | 2,098 |
| Average equity | $48,337,667 | 1,723 |
| Average total loans | $189,822,000 | 2,307 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1851% | 3,268 |
| Cost of funding earning assets | 0.6636% | 3,096 |
| Net interest margin | 3.5215% | 2,906 |
| Noninterest income to average assets | 0.5076% | 2,511 |
| Noninterest expense to average assets | 1.2993% | 5,002 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.5468% | 105 |
| Return on assets (ROA) | 2.5468% | 107 |
| Pretax return on assets | 2.5923% | 143 |
| Return on Equity (ROE) | 16.6080% | 373 |
| Retained earnings to average equity (ytd only) | 16.6080% | 126 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.3874% | 5,048 |
| Assets per employee ($millions) | 6.8215% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 1,483 |
| Loan loss allowance to noncurrent loans | 636.5967% | 783 |
| Noncurrent assets plus other real estate owned to assets | 1.0352% | 1,271 |
| Noncurrent loans to loans | 0.2297% | 3,665 |
| Net loans and leases to total assets | 57.4099% | 3,714 |
| Net loans and leases to deposits | 70.9416% | 3,517 |
| Net loans and leases to core deposits | 79.5095% | 3,239 |
| Total domestic deposits to total assets | 80.9255% | 3,681 |
| Equity capital to assets | 15.4667% | 681 |
| Core capital (leverage) ratio | 15.6236% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7805% | 254 |
| Memoranda: | ||
| Average total assets | $316,786,500 | 2,114 |
| Average earning assets | $304,414,500 | 2,050 |
| Average equity | $48,579,000 | 1,706 |
| Average total loans | $184,637,000 | 2,313 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2090% | 3,794 |
| Cost of funding earning assets | 0.6552% | 3,384 |
| Net interest margin | 3.5537% | 3,276 |
| Noninterest income to average assets | 0.2394% | 4,244 |
| Noninterest expense to average assets | 1.4292% | 5,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.1894% | 225 |
| Return on assets (ROA) | 2.1894% | 240 |
| Pretax return on assets | 2.2223% | 370 |
| Return on Equity (ROE) | 13.3719% | 1,053 |
| Retained earnings to average equity (ytd only) | -5.3953% | 4,990 |
| Net charge-offs to loans | -0.0011% | 4,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1412% | 5,080 |
| Assets per employee ($millions) | 6.6587% | 1,206 |
| Cash dividends to net income (ytd only)* | 140.3478% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 1,238 |
| Loan loss allowance to noncurrent loans | 230.2698% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 1.0762% | 1,149 |
| Noncurrent loans to loans | 0.6499% | 2,266 |
| Net loans and leases to total assets | 57.4350% | 3,812 |
| Net loans and leases to deposits | 69.9162% | 3,680 |
| Net loans and leases to core deposits | 79.5910% | 3,334 |
| Total domestic deposits to total assets | 82.1483% | 3,467 |
| Equity capital to assets | 15.2000% | 743 |
| Core capital (leverage) ratio | 14.9263% | 705 |
| Tier 1 risk-based capital ratio | 30.5042% | 455 |
| Total risk-based capital ratio | 31.7604% | 450 |
| Memoranda: | ||
| Average total assets | $309,954,800 | 2,107 |
| Average earning assets | $297,603,800 | 2,044 |
| Average equity | $50,748,200 | 1,573 |
| Average total loans | $186,343,200 | 2,264 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1754% | 3,979 |
| Cost of funding earning assets | 0.6381% | 3,504 |
| Net interest margin | 3.5373% | 3,448 |
| Noninterest income to average assets | 0.2799% | 4,070 |
| Noninterest expense to average assets | 1.3665% | 5,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.2755% | 234 |
| Return on assets (ROA) | 2.2755% | 248 |
| Pretax return on assets | 2.3100% | 363 |
| Return on Equity (ROE) | 13.6505% | 1,066 |
| Retained earnings to average equity (ytd only) | 6.5886% | 2,064 |
| Net charge-offs to loans | -0.0014% | 4,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1687% | 5,159 |
| Assets per employee ($millions) | 6.6234% | 1,213 |
| Cash dividends to net income (ytd only)* | 51.7340% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 1,380 |
| Loan loss allowance to noncurrent loans | 265.6615% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 1.0726% | 1,229 |
| Noncurrent loans to loans | 0.5477% | 2,653 |
| Net loans and leases to total assets | 58.1753% | 3,867 |
| Net loans and leases to deposits | 72.6156% | 3,583 |
| Net loans and leases to core deposits | 83.3481% | 3,146 |
| Total domestic deposits to total assets | 80.1140% | 3,970 |
| Equity capital to assets | 16.5981% | 541 |
| Core capital (leverage) ratio | 16.8496% | 459 |
| Tier 1 risk-based capital ratio | 32.5833% | 409 |
| Total risk-based capital ratio | 33.8386% | 404 |
| Memoranda: | ||
| Average total assets | $309,203,250 | 2,123 |
| Average earning assets | $296,908,000 | 2,055 |
| Average equity | $51,542,750 | 1,557 |
| Average total loans | $187,309,000 | 2,282 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 4,028 |
| Cost of funding earning assets | 0.6152% | 3,573 |
| Net interest margin | 3.5431% | 3,456 |
| Noninterest income to average assets | 0.2938% | 3,970 |
| Noninterest expense to average assets | 1.3053% | 5,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.3585% | 189 |
| Return on assets (ROA) | 2.3585% | 195 |
| Pretax return on assets | 2.3846% | 296 |
| Return on Equity (ROE) | 14.1276% | 950 |
| Retained earnings to average equity (ytd only) | 3.4498% | 3,511 |
| Net charge-offs to loans | -0.0021% | 3,965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3743% | 5,227 |
| Assets per employee ($millions) | 7.0257% | 989 |
| Cash dividends to net income (ytd only)* | 75.5814% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 1,389 |
| Loan loss allowance to noncurrent loans | 318.2984% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 1.1164% | 1,212 |
| Noncurrent loans to loans | 0.4587% | 2,905 |
| Net loans and leases to total assets | 59.6244% | 3,774 |
| Net loans and leases to deposits | 74.2839% | 3,497 |
| Net loans and leases to core deposits | 86.7060% | 2,905 |
| Total domestic deposits to total assets | 80.2656% | 3,982 |
| Equity capital to assets | 16.5316% | 528 |
| Core capital (leverage) ratio | 16.4347% | 493 |
| Tier 1 risk-based capital ratio | 31.4471% | 436 |
| Total risk-based capital ratio | 32.7024% | 430 |
| Memoranda: | ||
| Average total assets | $306,297,000 | 2,148 |
| Average earning assets | $293,581,670 | 2,084 |
| Average equity | $51,134,000 | 1,559 |
| Average total loans | $187,184,330 | 2,283 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0884% | 4,159 |
| Cost of funding earning assets | 0.5756% | 3,695 |
| Net interest margin | 3.5127% | 3,560 |
| Noninterest income to average assets | 0.4933% | 2,598 |
| Noninterest expense to average assets | 1.3841% | 5,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.4351% | 181 |
| Return on assets (ROA) | 2.4351% | 190 |
| Pretax return on assets | 2.4718% | 259 |
| Return on Equity (ROE) | 14.5145% | 852 |
| Retained earnings to average equity (ytd only) | 14.5145% | 311 |
| Net charge-offs to loans | -0.0021% | 3,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8966% | 5,269 |
| Assets per employee ($millions) | 6.8861% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 1,527 |
| Loan loss allowance to noncurrent loans | 343.3962% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 1.1256% | 1,220 |
| Noncurrent loans to loans | 0.4203% | 3,086 |
| Net loans and leases to total assets | 60.1661% | 3,692 |
| Net loans and leases to deposits | 76.3910% | 3,225 |
| Net loans and leases to core deposits | 88.0933% | 2,675 |
| Total domestic deposits to total assets | 78.7607% | 4,394 |
| Equity capital to assets | 16.8059% | 471 |
| Core capital (leverage) ratio | 17.1546% | 411 |
| Tier 1 risk-based capital ratio | 31.9041% | 415 |
| Total risk-based capital ratio | 33.1593% | 411 |
| Memoranda: | ||
| Average total assets | $304,880,500 | 2,172 |
| Average earning assets | $291,853,500 | 2,099 |
| Average equity | $51,149,000 | 1,547 |
| Average total loans | $187,252,500 | 2,302 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9217% | 4,232 |
| Cost of funding earning assets | 0.3997% | 3,990 |
| Net interest margin | 3.5219% | 3,628 |
| Noninterest income to average assets | 0.3285% | 3,907 |
| Noninterest expense to average assets | 1.4058% | 5,261 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.2592% | 227 |
| Return on assets (ROA) | 2.2500% | 225 |
| Pretax return on assets | 2.2840% | 301 |
| Return on Equity (ROE) | 12.8230% | 1,409 |
| Retained earnings to average equity (ytd only) | -7.0958% | 5,282 |
| Net charge-offs to loans | -0.0027% | 4,272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0038% | 5,306 |
| Assets per employee ($millions) | 6.5193% | 1,207 |
| Cash dividends to net income (ytd only)* | 155.3365% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4725% | 1,375 |
| Loan loss allowance to noncurrent loans | 343.2704% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 1.1631% | 1,129 |
| Noncurrent loans to loans | 0.4290% | 3,001 |
| Net loans and leases to total assets | 60.8919% | 3,678 |
| Net loans and leases to deposits | 76.9014% | 3,284 |
| Net loans and leases to core deposits | 90.4739% | 2,531 |
| Total domestic deposits to total assets | 79.1818% | 4,274 |
| Equity capital to assets | 16.7466% | 439 |
| Core capital (leverage) ratio | 16.6072% | 447 |
| Tier 1 risk-based capital ratio | 30.9382% | 427 |
| Total risk-based capital ratio | 32.1937% | 424 |
| Memoranda: | ||
| Average total assets | $299,824,800 | 2,159 |
| Average earning assets | $286,945,200 | 2,093 |
| Average equity | $52,608,600 | 1,448 |
| Average total loans | $184,656,000 | 2,302 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8337% | 4,365 |
| Cost of funding earning assets | 0.3661% | 4,078 |
| Net interest margin | 3.4675% | 3,810 |
| Noninterest income to average assets | 0.4056% | 3,447 |
| Noninterest expense to average assets | 1.3608% | 5,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.3321% | 210 |
| Return on assets (ROA) | 2.3321% | 209 |
| Pretax return on assets | 2.3677% | 294 |
| Return on Equity (ROE) | 13.1412% | 1,371 |
| Retained earnings to average equity (ytd only) | -3.0848% | 5,254 |
| Net charge-offs to loans | -0.0029% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4981% | 5,383 |
| Assets per employee ($millions) | 6.8037% | 1,017 |
| Cash dividends to net income (ytd only)* | 123.4744% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 1,491 |
| Loan loss allowance to noncurrent loans | 343.1447% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 1.3953% | 956 |
| Noncurrent loans to loans | 0.4251% | 3,135 |
| Net loans and leases to total assets | 61.5538% | 3,691 |
| Net loans and leases to deposits | 79.2125% | 3,120 |
| Net loans and leases to core deposits | 90.8279% | 2,583 |
| Total domestic deposits to total assets | 77.7072% | 4,530 |
| Equity capital to assets | 17.5698% | 372 |
| Core capital (leverage) ratio | 17.8504% | 340 |
| Tier 1 risk-based capital ratio | 31.9490% | 400 |
| Total risk-based capital ratio | 33.2040% | 395 |
| Memoranda: | ||
| Average total assets | $299,809,250 | 2,166 |
| Average earning assets | $287,305,750 | 2,104 |
| Average equity | $53,205,500 | 1,448 |
| Average total loans | $184,486,000 | 2,310 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7609% | 4,444 |
| Cost of funding earning assets | 0.3430% | 4,118 |
| Net interest margin | 3.4178% | 3,899 |
| Noninterest income to average assets | 0.4187% | 3,364 |
| Noninterest expense to average assets | 1.3302% | 5,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.3283% | 192 |
| Return on assets (ROA) | 2.3283% | 187 |
| Pretax return on assets | 2.3637% | 291 |
| Return on Equity (ROE) | 13.0766% | 1,347 |
| Retained earnings to average equity (ytd only) | -11.1705% | 5,432 |
| Net charge-offs to loans | -0.0033% | 4,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0108% | 5,451 |
| Assets per employee ($millions) | 6.0397% | 1,436 |
| Cash dividends to net income (ytd only)* | 185.4238% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 1,459 |
| Loan loss allowance to noncurrent loans | 340.4494% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 1.4776% | 905 |
| Noncurrent loans to loans | 0.4348% | 3,142 |
| Net loans and leases to total assets | 61.3292% | 3,668 |
| Net loans and leases to deposits | 78.5782% | 3,100 |
| Net loans and leases to core deposits | 90.5770% | 2,523 |
| Total domestic deposits to total assets | 78.0485% | 4,582 |
| Equity capital to assets | 17.1816% | 388 |
| Core capital (leverage) ratio | 16.9655% | 400 |
| Tier 1 risk-based capital ratio | 32.0159% | 408 |
| Total risk-based capital ratio | 33.2714% | 401 |
| Memoranda: | ||
| Average total assets | $299,958,670 | 2,171 |
| Average earning assets | $287,433,670 | 2,113 |
| Average equity | $53,408,330 | 1,451 |
| Average total loans | $183,649,330 | 2,318 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6481% | 4,599 |
| Cost of funding earning assets | 0.3193% | 4,202 |
| Net interest margin | 3.3288% | 4,109 |
| Noninterest income to average assets | 0.4650% | 3,032 |
| Noninterest expense to average assets | 1.3697% | 5,461 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.2506% | 222 |
| Return on assets (ROA) | 2.2506% | 221 |
| Pretax return on assets | 2.2850% | 330 |
| Return on Equity (ROE) | 12.4267% | 1,429 |
| Retained earnings to average equity (ytd only) | 12.4267% | 610 |
| Net charge-offs to loans | -0.0022% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4773% | 5,496 |
| Assets per employee ($millions) | 6.3484% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 1,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1722% | 1,309 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 60.5839% | 3,694 |
| Net loans and leases to deposits | 79.7165% | 2,841 |
| Net loans and leases to core deposits | 90.7658% | 2,391 |
| Total domestic deposits to total assets | 75.9992% | 4,963 |
| Equity capital to assets | 18.2244% | 297 |
| Core capital (leverage) ratio | 18.4231% | 291 |
| Tier 1 risk-based capital ratio | 35.0755% | 323 |
| Total risk-based capital ratio | 36.3311% | 323 |
| Memoranda: | ||
| Average total assets | $301,966,000 | 2,180 |
| Average earning assets | $289,353,000 | 2,122 |
| Average equity | $54,688,500 | 1,435 |
| Average total loans | $183,360,500 | 2,337 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4939% | 4,796 |
| Cost of funding earning assets | 0.2755% | 4,358 |
| Net interest margin | 3.2184% | 4,402 |
| Noninterest income to average assets | 0.4568% | 3,265 |
| Noninterest expense to average assets | 1.3580% | 5,540 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.1537% | 213 |
| Return on assets (ROA) | 2.1537% | 214 |
| Pretax return on assets | 2.1859% | 320 |
| Return on Equity (ROE) | 12.0779% | 1,191 |
| Retained earnings to average equity (ytd only) | -2.8296% | 5,334 |
| Net charge-offs to loans | 0.0502% | 2,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 73.9888% | 812 |
| Efficiency ratio | 38.3196% | 5,557 |
| Assets per employee ($millions) | 6.1063% | 1,448 |
| Cash dividends to net income (ytd only)* | 123.4279% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5185% | 1,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1938% | 1,241 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 59.0420% | 3,917 |
| Net loans and leases to deposits | 76.2869% | 3,303 |
| Net loans and leases to core deposits | 86.9616% | 2,828 |
| Total domestic deposits to total assets | 77.3947% | 4,811 |
| Equity capital to assets | 17.9951% | 315 |
| Core capital (leverage) ratio | 17.7915% | 311 |
| Tier 1 risk-based capital ratio | 34.7302% | 326 |
| Total risk-based capital ratio | 35.9868% | 321 |
| Memoranda: | ||
| Average total assets | $301,242,400 | 2,160 |
| Average earning assets | $288,960,600 | 2,106 |
| Average equity | $53,717,800 | 1,432 |
| Average total loans | $177,369,400 | 2,360 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4179% | 4,941 |
| Cost of funding earning assets | 0.2638% | 4,446 |
| Net interest margin | 3.1542% | 4,568 |
| Noninterest income to average assets | 0.4715% | 3,202 |
| Noninterest expense to average assets | 1.2858% | 5,622 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.1806% | 223 |
| Return on assets (ROA) | 2.1806% | 227 |
| Pretax return on assets | 2.2133% | 350 |
| Return on Equity (ROE) | 12.2560% | 1,255 |
| Retained earnings to average equity (ytd only) | -7.6318% | 5,588 |
| Net charge-offs to loans | 0.0678% | 2,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 55.6542% | 1,042 |
| Efficiency ratio | 36.7471% | 5,630 |
| Assets per employee ($millions) | 6.4161% | 1,236 |
| Cash dividends to net income (ytd only)* | 162.2694% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 1,432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2147% | 1,352 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 58.1114% | 4,047 |
| Net loans and leases to deposits | 74.9080% | 3,484 |
| Net loans and leases to core deposits | 84.4843% | 3,089 |
| Total domestic deposits to total assets | 77.5770% | 4,793 |
| Equity capital to assets | 17.3121% | 399 |
| Core capital (leverage) ratio | 17.5408% | 337 |
| Tier 1 risk-based capital ratio | 34.2714% | 345 |
| Total risk-based capital ratio | 35.5279% | 340 |
| Memoranda: | ||
| Average total assets | $301,750,750 | 2,174 |
| Average earning assets | $289,640,750 | 2,114 |
| Average equity | $53,686,500 | 1,442 |
| Average total loans | $176,866,000 | 2,376 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3000% | 5,106 |
| Cost of funding earning assets | 0.2491% | 4,546 |
| Net interest margin | 3.0508% | 4,789 |
| Noninterest income to average assets | 0.4658% | 3,245 |
| Noninterest expense to average assets | 1.2610% | 5,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.1026% | 257 |
| Return on assets (ROA) | 2.1026% | 261 |
| Pretax return on assets | 2.1344% | 414 |
| Return on Equity (ROE) | 11.7128% | 1,383 |
| Retained earnings to average equity (ytd only) | -17.8479% | 5,715 |
| Net charge-offs to loans | 0.0714% | 1,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 51.1270% | 1,060 |
| Efficiency ratio | 37.1390% | 5,680 |
| Assets per employee ($millions) | 6.2885% | 1,257 |
| Cash dividends to net income (ytd only)* | 252.3795% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 1,472 |
| Loan loss allowance to noncurrent loans | 615.2125% | 869 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 1,171 |
| Noncurrent loans to loans | 0.2489% | 4,143 |
| Net loans and leases to total assets | 59.8366% | 3,861 |
| Net loans and leases to deposits | 76.1387% | 3,324 |
| Net loans and leases to core deposits | 86.6145% | 2,821 |
| Total domestic deposits to total assets | 78.5890% | 4,712 |
| Equity capital to assets | 17.0670% | 399 |
| Core capital (leverage) ratio | 16.6579% | 402 |
| Tier 1 risk-based capital ratio | 32.9191% | 369 |
| Total risk-based capital ratio | 34.1761% | 362 |
| Memoranda: | ||
| Average total assets | $301,815,330 | 2,181 |
| Average earning assets | $289,821,330 | 2,113 |
| Average equity | $54,180,000 | 1,443 |
| Average total loans | $176,500,670 | 2,373 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2085% | 5,239 |
| Cost of funding earning assets | 0.2337% | 4,685 |
| Net interest margin | 2.9748% | 4,944 |
| Noninterest income to average assets | 0.5011% | 2,975 |
| Noninterest expense to average assets | 1.2986% | 5,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.0266% | 289 |
| Return on assets (ROA) | 2.0266% | 298 |
| Pretax return on assets | 2.0581% | 454 |
| Return on Equity (ROE) | 11.0262% | 1,556 |
| Retained earnings to average equity (ytd only) | 11.0262% | 602 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6870% | 5,715 |
| Assets per employee ($millions) | 6.8431% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 1,389 |
| Loan loss allowance to noncurrent loans | 592.2105% | 929 |
| Noncurrent assets plus other real estate owned to assets | 1.3142% | 1,293 |
| Noncurrent loans to loans | 0.2697% | 4,142 |
| Net loans and leases to total assets | 56.2787% | 4,140 |
| Net loans and leases to deposits | 74.2446% | 3,375 |
| Net loans and leases to core deposits | 82.6706% | 3,020 |
| Total domestic deposits to total assets | 75.8017% | 5,251 |
| Equity capital to assets | 18.4520% | 278 |
| Core capital (leverage) ratio | 18.5268% | 259 |
| Tier 1 risk-based capital ratio | 38.2759% | 250 |
| Total risk-based capital ratio | 39.5336% | 246 |
| Memoranda: | ||
| Average total assets | $304,944,000 | 2,182 |
| Average earning assets | $292,721,000 | 2,118 |
| Average equity | $56,048,500 | 1,403 |
| Average total loans | $174,950,000 | 2,408 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3838% | 5,013 |
| Cost of funding earning assets | 0.2237% | 4,797 |
| Net interest margin | 3.1601% | 4,565 |
| Noninterest income to average assets | 0.4010% | 3,878 |
| Noninterest expense to average assets | 1.4080% | 5,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.9960% | 320 |
| Return on assets (ROA) | 1.9960% | 338 |
| Pretax return on assets | 2.0261% | 467 |
| Return on Equity (ROE) | 10.2488% | 1,863 |
| Retained earnings to average equity (ytd only) | -9.6292% | 5,780 |
| Net charge-offs to loans | 0.0301% | 3,416 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 116.2157% | 523 |
| Efficiency ratio | 41.0014% | 5,769 |
| Assets per employee ($millions) | 6.1622% | 1,358 |
| Cash dividends to net income (ytd only)* | 193.9544% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6187% | 1,328 |
| Loan loss allowance to noncurrent loans | 445.8003% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 1.3920% | 1,231 |
| Noncurrent loans to loans | 0.3631% | 3,825 |
| Net loans and leases to total assets | 56.6221% | 4,207 |
| Net loans and leases to deposits | 71.8872% | 3,720 |
| Net loans and leases to core deposits | 79.6736% | 3,423 |
| Total domestic deposits to total assets | 78.7653% | 4,848 |
| Equity capital to assets | 18.3064% | 284 |
| Core capital (leverage) ratio | 18.3699% | 264 |
| Tier 1 risk-based capital ratio | 37.0788% | 273 |
| Total risk-based capital ratio | 38.3366% | 266 |
| Memoranda: | ||
| Average total assets | $292,535,400 | 2,212 |
| Average earning assets | $280,781,000 | 2,150 |
| Average equity | $56,972,800 | 1,347 |
| Average total loans | $169,228,200 | 2,422 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3687% | 5,084 |
| Cost of funding earning assets | 0.2205% | 4,878 |
| Net interest margin | 3.1482% | 4,646 |
| Noninterest income to average assets | 0.3910% | 3,986 |
| Noninterest expense to average assets | 1.3485% | 5,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.0359% | 323 |
| Return on assets (ROA) | 2.0359% | 335 |
| Pretax return on assets | 2.0672% | 497 |
| Return on Equity (ROE) | 10.2930% | 1,932 |
| Retained earnings to average equity (ytd only) | -6.7156% | 5,786 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4808% | 5,840 |
| Assets per employee ($millions) | 6.4946% | 1,108 |
| Cash dividends to net income (ytd only)* | 165.2449% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 1,358 |
| Loan loss allowance to noncurrent loans | 661.4319% | 844 |
| Noncurrent assets plus other real estate owned to assets | 1.4411% | 1,274 |
| Noncurrent loans to loans | 0.2477% | 4,379 |
| Net loans and leases to total assets | 56.3262% | 4,273 |
| Net loans and leases to deposits | 72.7101% | 3,731 |
| Net loans and leases to core deposits | 79.7164% | 3,476 |
| Total domestic deposits to total assets | 77.4668% | 5,003 |
| Equity capital to assets | 18.9352% | 270 |
| Core capital (leverage) ratio | 19.5452% | 211 |
| Tier 1 risk-based capital ratio | 38.9462% | 245 |
| Total risk-based capital ratio | 40.2047% | 239 |
| Memoranda: | ||
| Average total assets | $290,182,000 | 2,229 |
| Average earning assets | $278,795,250 | 2,167 |
| Average equity | $57,397,000 | 1,346 |
| Average total loans | $168,089,500 | 2,437 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3975% | 5,086 |
| Cost of funding earning assets | 0.2185% | 4,955 |
| Net interest margin | 3.1790% | 4,612 |
| Noninterest income to average assets | 0.3661% | 4,137 |
| Noninterest expense to average assets | 1.3557% | 5,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.0304% | 311 |
| Return on assets (ROA) | 2.0304% | 329 |
| Pretax return on assets | 2.0620% | 506 |
| Return on Equity (ROE) | 10.1112% | 2,001 |
| Retained earnings to average equity (ytd only) | -15.4620% | 5,939 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6676% | 5,913 |
| Assets per employee ($millions) | 6.3154% | 1,185 |
| Cash dividends to net income (ytd only)* | 252.9188% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7236% | 1,226 |
| Loan loss allowance to noncurrent loans | 942.1053% | 607 |
| Noncurrent assets plus other real estate owned to assets | 1.4698% | 1,319 |
| Noncurrent loans to loans | 0.1829% | 4,701 |
| Net loans and leases to total assets | 56.2126% | 4,284 |
| Net loans and leases to deposits | 72.7928% | 3,719 |
| Net loans and leases to core deposits | 80.3371% | 3,431 |
| Total domestic deposits to total assets | 77.2227% | 5,131 |
| Equity capital to assets | 19.3678% | 240 |
| Core capital (leverage) ratio | 19.4787% | 209 |
| Tier 1 risk-based capital ratio | 39.2703% | 241 |
| Total risk-based capital ratio | 40.5293% | 240 |
| Memoranda: | ||
| Average total assets | $285,160,330 | 2,263 |
| Average earning assets | $273,730,330 | 2,215 |
| Average equity | $57,263,000 | 1,354 |
| Average total loans | $165,853,330 | 2,464 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3780% | 5,170 |
| Cost of funding earning assets | 0.2110% | 5,094 |
| Net interest margin | 3.1669% | 4,683 |
| Noninterest income to average assets | 0.5083% | 3,058 |
| Noninterest expense to average assets | 1.4217% | 5,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0928% | 284 |
| Return on assets (ROA) | 2.0928% | 297 |
| Pretax return on assets | 2.1254% | 437 |
| Return on Equity (ROE) | 10.2351% | 1,883 |
| Retained earnings to average equity (ytd only) | -40.4695% | 6,061 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0798% | 5,961 |
| Assets per employee ($millions) | 6.2353% | 1,252 |
| Cash dividends to net income (ytd only)* | 495.3992% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7156% | 1,322 |
| Loan loss allowance to noncurrent loans | 951.4950% | 607 |
| Noncurrent assets plus other real estate owned to assets | 1.6229% | 1,219 |
| Noncurrent loans to loans | 0.1803% | 4,761 |
| Net loans and leases to total assets | 57.2021% | 4,127 |
| Net loans and leases to deposits | 73.8671% | 3,449 |
| Net loans and leases to core deposits | 81.6029% | 3,168 |
| Total domestic deposits to total assets | 77.4392% | 5,227 |
| Equity capital to assets | 19.1207% | 251 |
| Core capital (leverage) ratio | 19.3944% | 216 |
| Tier 1 risk-based capital ratio | 38.6098% | 259 |
| Total risk-based capital ratio | 39.8692% | 254 |
| Memoranda: | ||
| Average total assets | $282,486,500 | 2,294 |
| Average earning assets | $271,050,000 | 2,235 |
| Average equity | $57,762,000 | 1,341 |
| Average total loans | $165,697,000 | 2,459 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3843% | 5,195 |
| Cost of funding earning assets | 0.1795% | 5,461 |
| Net interest margin | 3.2048% | 4,616 |
| Noninterest income to average assets | 0.4289% | 3,827 |
| Noninterest expense to average assets | 1.4458% | 6,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.0454% | 324 |
| Return on assets (ROA) | 2.0454% | 332 |
| Pretax return on assets | 2.0748% | 459 |
| Return on Equity (ROE) | 9.5177% | 2,214 |
| Retained earnings to average equity (ytd only) | 0.1168% | 5,458 |
| Net charge-offs to loans | 0.5150% | 497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 6.9045% | 3,153 |
| Efficiency ratio | 41.0674% | 6,044 |
| Assets per employee ($millions) | 6.1811% | 1,274 |
| Cash dividends to net income (ytd only)* | 98.7728% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7415% | 1,260 |
| Loan loss allowance to noncurrent loans | 515.1079% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 1.6693% | 1,169 |
| Noncurrent loans to loans | 0.3381% | 4,253 |
| Net loans and leases to total assets | 58.0971% | 4,076 |
| Net loans and leases to deposits | 77.3264% | 3,124 |
| Net loans and leases to core deposits | 84.4787% | 2,934 |
| Total domestic deposits to total assets | 75.1323% | 5,542 |
| Equity capital to assets | 21.8161% | 153 |
| Core capital (leverage) ratio | 21.6938% | 141 |
| Tier 1 risk-based capital ratio | 43.6097% | 186 |
| Total risk-based capital ratio | 44.8695% | 184 |
| Memoranda: | ||
| Average total assets | $278,875,000 | 2,282 |
| Average earning assets | $269,035,600 | 2,209 |
| Average equity | $59,930,600 | 1,264 |
| Average total loans | $162,714,600 | 2,431 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3530% | 5,308 |
| Cost of funding earning assets | 0.1750% | 5,591 |
| Net interest margin | 3.1779% | 4,747 |
| Noninterest income to average assets | 0.4611% | 3,627 |
| Noninterest expense to average assets | 1.3598% | 6,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.1362% | 287 |
| Return on assets (ROA) | 2.1362% | 304 |
| Pretax return on assets | 2.1720% | 441 |
| Return on Equity (ROE) | 9.9780% | 2,114 |
| Retained earnings to average equity (ytd only) | -2.5955% | 5,905 |
| Net charge-offs to loans | 0.0756% | 2,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 49.4145% | 1,064 |
| Efficiency ratio | 38.5011% | 6,155 |
| Assets per employee ($millions) | 6.3763% | 1,135 |
| Cash dividends to net income (ytd only)* | 126.0121% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1750% | 694 |
| Loan loss allowance to noncurrent loans | 134.8021% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 1.9814% | 1,041 |
| Noncurrent loans to loans | 1.6135% | 1,531 |
| Net loans and leases to total assets | 57.8726% | 4,157 |
| Net loans and leases to deposits | 77.3974% | 3,158 |
| Net loans and leases to core deposits | 84.3336% | 3,008 |
| Total domestic deposits to total assets | 74.7733% | 5,641 |
| Equity capital to assets | 21.1608% | 189 |
| Core capital (leverage) ratio | 21.4054% | 156 |
| Tier 1 risk-based capital ratio | 42.9926% | 208 |
| Total risk-based capital ratio | 44.2591% | 206 |
| Memoranda: | ||
| Average total assets | $279,056,750 | 2,295 |
| Average earning assets | $269,645,250 | 2,217 |
| Average equity | $59,743,000 | 1,277 |
| Average total loans | $162,278,250 | 2,448 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3409% | 5,361 |
| Cost of funding earning assets | 0.1715% | 5,683 |
| Net interest margin | 3.1694% | 4,756 |
| Noninterest income to average assets | 0.4983% | 3,389 |
| Noninterest expense to average assets | 1.3477% | 6,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.1769% | 270 |
| Return on assets (ROA) | 2.1769% | 286 |
| Pretax return on assets | 2.2150% | 401 |
| Return on Equity (ROE) | 10.1290% | 2,011 |
| Retained earnings to average equity (ytd only) | -0.5913% | 5,625 |
| Net charge-offs to loans | 0.0994% | 2,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 38.5625% | 1,154 |
| Efficiency ratio | 37.8275% | 6,242 |
| Assets per employee ($millions) | 5.9724% | 1,378 |
| Cash dividends to net income (ytd only)* | 105.8377% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1868% | 745 |
| Loan loss allowance to noncurrent loans | 107.6055% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 2.0799% | 1,041 |
| Noncurrent loans to loans | 2.0323% | 1,189 |
| Net loans and leases to total assets | 58.9693% | 3,982 |
| Net loans and leases to deposits | 79.8922% | 2,804 |
| Net loans and leases to core deposits | 86.6139% | 2,693 |
| Total domestic deposits to total assets | 73.8111% | 5,807 |
| Equity capital to assets | 21.9662% | 154 |
| Core capital (leverage) ratio | 21.3475% | 153 |
| Tier 1 risk-based capital ratio | 43.1640% | 215 |
| Total risk-based capital ratio | 44.4307% | 211 |
| Memoranda: | ||
| Average total assets | $278,557,000 | 2,316 |
| Average earning assets | $269,325,330 | 2,237 |
| Average equity | $59,868,000 | 1,284 |
| Average total loans | $161,046,000 | 2,475 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2374% | 5,581 |
| Cost of funding earning assets | 0.1607% | 5,837 |
| Net interest margin | 3.0767% | 5,012 |
| Noninterest income to average assets | 0.4806% | 3,418 |
| Noninterest expense to average assets | 1.2850% | 6,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.1279% | 268 |
| Return on assets (ROA) | 2.1279% | 285 |
| Pretax return on assets | 2.1721% | 406 |
| Return on Equity (ROE) | 10.0087% | 2,006 |
| Retained earnings to average equity (ytd only) | -11.5181% | 6,167 |
| Net charge-offs to loans | 0.1436% | 1,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 26.7193% | 1,233 |
| Efficiency ratio | 37.1700% | 6,318 |
| Assets per employee ($millions) | 6.2210% | 1,245 |
| Cash dividends to net income (ytd only)* | 215.0804% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2899% | 713 |
| Loan loss allowance to noncurrent loans | 80.9101% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 2.4587% | 879 |
| Noncurrent loans to loans | 2.8301% | 805 |
| Net loans and leases to total assets | 54.3512% | 4,402 |
| Net loans and leases to deposits | 73.1195% | 3,414 |
| Net loans and leases to core deposits | 78.9661% | 3,283 |
| Total domestic deposits to total assets | 74.3319% | 5,881 |
| Equity capital to assets | 20.5528% | 207 |
| Core capital (leverage) ratio | 20.8337% | 177 |
| Tier 1 risk-based capital ratio | 44.3281% | 206 |
| Total risk-based capital ratio | 45.5966% | 205 |
| Memoranda: | ||
| Average total assets | $280,470,000 | 2,311 |
| Average earning assets | $271,329,500 | 2,240 |
| Average equity | $59,628,000 | 1,291 |
| Average total loans | $158,754,500 | 2,506 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2298% | 5,796 |
| Cost of funding earning assets | 0.1769% | 5,928 |
| Net interest margin | 3.0529% | 5,308 |
| Noninterest income to average assets | 0.3903% | 4,263 |
| Noninterest expense to average assets | 1.4687% | 6,310 |
| Loan and lease loss provision to assets | 0.1645% | 1,596 |
| Net operating income to assets | 1.6716% | 611 |
| Return on assets (ROA) | 1.6716% | 636 |
| Pretax return on assets | 1.6968% | 992 |
| Return on Equity (ROE) | 7.7461% | 3,246 |
| Retained earnings to average equity (ytd only) | 5.4412% | 2,299 |
| Net charge-offs to loans | 0.2709% | 1,590 |
| Credit loss provision to net charge-offs | 100.8969% | 2,369 |
| Earnings coverage of net charge-offs (x) | 11.4193% | 2,490 |
| Efficiency ratio | 44.1067% | 6,318 |
| Assets per employee ($millions) | 5.9734% | 1,397 |
| Cash dividends to net income (ytd only)* | 29.7551% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3382% | 684 |
| Loan loss allowance to noncurrent loans | 86.1932% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 2.5526% | 893 |
| Noncurrent loans to loans | 2.7127% | 896 |
| Net loans and leases to total assets | 56.2744% | 4,298 |
| Net loans and leases to deposits | 75.2667% | 3,282 |
| Net loans and leases to core deposits | 81.3348% | 3,163 |
| Total domestic deposits to total assets | 74.7666% | 5,877 |
| Equity capital to assets | 21.9965% | 153 |
| Core capital (leverage) ratio | 21.9251% | 140 |
| Tier 1 risk-based capital ratio | 46.1926% | 162 |
| Total risk-based capital ratio | 47.4622% | 159 |
| Memoranda: | ||
| Average total assets | $273,635,200 | 2,330 |
| Average earning assets | $263,485,000 | 2,247 |
| Average equity | $59,049,000 | 1,237 |
| Average total loans | $164,630,000 | 2,380 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1809% | 5,922 |
| Cost of funding earning assets | 0.1754% | 6,032 |
| Net interest margin | 3.0054% | 5,495 |
| Noninterest income to average assets | 0.3853% | 4,350 |
| Noninterest expense to average assets | 1.3648% | 6,429 |
| Loan and lease loss provision to assets | 0.0244% | 3,922 |
| Net operating income to assets | 1.8594% | 453 |
| Return on assets (ROA) | 1.8594% | 468 |
| Pretax return on assets | 1.8872% | 738 |
| Return on Equity (ROE) | 8.6584% | 2,870 |
| Retained earnings to average equity (ytd only) | 5.5648% | 2,693 |
| Net charge-offs to loans | 0.0602% | 3,347 |
| Credit loss provision to net charge-offs | 66.6667% | 2,820 |
| Earnings coverage of net charge-offs (x) | 52.2520% | 948 |
| Efficiency ratio | 41.6555% | 6,423 |
| Assets per employee ($millions) | 5.9877% | 1,345 |
| Cash dividends to net income (ytd only)* | 35.7292% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2471% | 881 |
| Loan loss allowance to noncurrent loans | 67.8301% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 2.9858% | 791 |
| Noncurrent loans to loans | 3.3128% | 750 |
| Net loans and leases to total assets | 58.0119% | 4,068 |
| Net loans and leases to deposits | 79.0869% | 2,826 |
| Net loans and leases to core deposits | 85.2836% | 2,747 |
| Total domestic deposits to total assets | 73.3521% | 6,070 |
| Equity capital to assets | 21.6655% | 166 |
| Core capital (leverage) ratio | 21.6299% | 151 |
| Tier 1 risk-based capital ratio | 45.9713% | 169 |
| Total risk-based capital ratio | 47.2409% | 168 |
| Memoranda: | ||
| Average total assets | $273,350,250 | 2,351 |
| Average earning assets | $262,940,000 | 2,269 |
| Average equity | $58,701,000 | 1,253 |
| Average total loans | $166,205,000 | 2,378 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1381% | 6,018 |
| Cost of funding earning assets | 0.1762% | 6,100 |
| Net interest margin | 2.9619% | 5,606 |
| Noninterest income to average assets | 0.3785% | 4,421 |
| Noninterest expense to average assets | 1.3900% | 6,482 |
| Loan and lease loss provision to assets | 0.0367% | 3,557 |
| Net operating income to assets | 1.7729% | 511 |
| Return on assets (ROA) | 1.7729% | 534 |
| Pretax return on assets | 1.7993% | 845 |
| Return on Equity (ROE) | 8.2807% | 2,941 |
| Retained earnings to average equity (ytd only) | 8.2807% | 1,219 |
| Net charge-offs to loans | 0.0670% | 3,034 |
| Credit loss provision to net charge-offs | 89.2857% | 2,190 |
| Earnings coverage of net charge-offs (x) | 44.6964% | 975 |
| Efficiency ratio | 43.0878% | 6,448 |
| Assets per employee ($millions) | 5.9855% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1873% | 1,049 |
| Loan loss allowance to noncurrent loans | 69.4377% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 2.9433% | 874 |
| Noncurrent loans to loans | 3.1500% | 902 |
| Net loans and leases to total assets | 59.9648% | 3,717 |
| Net loans and leases to deposits | 80.9683% | 2,389 |
| Net loans and leases to core deposits | 87.1312% | 2,404 |
| Total domestic deposits to total assets | 74.0596% | 6,108 |
| Equity capital to assets | 21.6616% | 157 |
| Core capital (leverage) ratio | 21.3011% | 153 |
| Tier 1 risk-based capital ratio | 46.1672% | 160 |
| Total risk-based capital ratio | 47.4374% | 160 |
| Memoranda: | ||
| Average total assets | $272,656,000 | 2,355 |
| Average earning assets | $262,129,330 | 2,269 |
| Average equity | $58,376,670 | 1,251 |
| Average total loans | $167,121,000 | 2,369 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0819% | 6,145 |
| Cost of funding earning assets | 0.1856% | 6,111 |
| Net interest margin | 2.8963% | 5,760 |
| Noninterest income to average assets | 0.2949% | 5,011 |
| Noninterest expense to average assets | 1.4183% | 6,549 |
| Loan and lease loss provision to assets | 0.0737% | 2,663 |
| Net operating income to assets | 1.5524% | 727 |
| Return on assets (ROA) | 1.5524% | 758 |
| Pretax return on assets | 1.5863% | 1,201 |
| Return on Equity (ROE) | 7.2943% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.2943% | 1,909 |
| Net charge-offs to loans | 0.0722% | 2,425 |
| Credit loss provision to net charge-offs | 166.6667% | 1,168 |
| Earnings coverage of net charge-offs (x) | 37.5333% | 917 |
| Efficiency ratio | 46.0728% | 6,422 |
| Assets per employee ($millions) | 5.9402% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1904% | 1,175 |
| Loan loss allowance to noncurrent loans | 68.0271% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 3.0352% | 936 |
| Noncurrent loans to loans | 3.2200% | 957 |
| Net loans and leases to total assets | 59.4490% | 3,644 |
| Net loans and leases to deposits | 80.3741% | 2,245 |
| Net loans and leases to core deposits | 86.4071% | 2,276 |
| Total domestic deposits to total assets | 73.9653% | 6,245 |
| Equity capital to assets | 20.8719% | 179 |
| Core capital (leverage) ratio | 21.2984% | 153 |
| Tier 1 risk-based capital ratio | 45.2947% | 169 |
| Total risk-based capital ratio | 46.5645% | 168 |
| Memoranda: | ||
| Average total assets | $271,316,500 | 2,368 |
| Average earning assets | $260,750,500 | 2,281 |
| Average equity | $57,744,000 | 1,257 |
| Average total loans | $166,283,500 | 2,380 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2480% | 6,078 |
| Cost of funding earning assets | 0.2005% | 6,294 |
| Net interest margin | 3.0475% | 5,454 |
| Noninterest income to average assets | 0.3747% | 4,634 |
| Noninterest expense to average assets | 1.4308% | 6,615 |
| Loan and lease loss provision to assets | 0.2065% | 1,792 |
| Net operating income to assets | 1.6342% | 644 |
| Return on assets (ROA) | 1.6312% | 669 |
| Pretax return on assets | 1.6560% | 1,041 |
| Return on Equity (ROE) | 7.5754% | 3,261 |
| Retained earnings to average equity (ytd only) | 0.5143% | 5,609 |
| Net charge-offs to loans | 0.1957% | 2,899 |
| Credit loss provision to net charge-offs | 178.5714% | 1,282 |
| Earnings coverage of net charge-offs (x) | 16.1331% | 1,822 |
| Efficiency ratio | 43.4055% | 6,627 |
| Assets per employee ($millions) | 5.6052% | 1,559 |
| Cash dividends to net income (ytd only)* | 93.2106% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2698% | 1,081 |
| Loan loss allowance to noncurrent loans | 82.9854% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 2.7717% | 1,189 |
| Noncurrent loans to loans | 2.7352% | 1,315 |
| Net loans and leases to total assets | 60.4219% | 3,635 |
| Net loans and leases to deposits | 80.6357% | 2,367 |
| Net loans and leases to core deposits | 85.8713% | 2,461 |
| Total domestic deposits to total assets | 74.9321% | 6,206 |
| Equity capital to assets | 21.7185% | 152 |
| Core capital (leverage) ratio | 21.5658% | 146 |
| Tier 1 risk-based capital ratio | 45.1393% | 167 |
| Total risk-based capital ratio | 46.4101% | 167 |
| Memoranda: | ||
| Average total assets | $266,363,200 | 2,384 |
| Average earning assets | $255,359,200 | 2,282 |
| Average equity | $57,356,800 | 1,253 |
| Average total loans | $157,412,000 | 2,460 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2277% | 6,160 |
| Cost of funding earning assets | 0.2106% | 6,350 |
| Net interest margin | 3.0170% | 5,552 |
| Noninterest income to average assets | 0.3534% | 4,871 |
| Noninterest expense to average assets | 1.3713% | 6,707 |
| Loan and lease loss provision to assets | 0.1997% | 1,818 |
| Net operating income to assets | 1.6463% | 688 |
| Return on assets (ROA) | 1.6463% | 724 |
| Pretax return on assets | 1.6713% | 1,162 |
| Return on Equity (ROE) | 7.6617% | 3,305 |
| Retained earnings to average equity (ytd only) | 3.8982% | 3,912 |
| Net charge-offs to loans | 0.2239% | 2,470 |
| Credit loss provision to net charge-offs | 152.6718% | 1,543 |
| Earnings coverage of net charge-offs (x) | 14.3055% | 1,956 |
| Efficiency ratio | 42.2941% | 6,697 |
| Assets per employee ($millions) | 5.6924% | 1,458 |
| Cash dividends to net income (ytd only)* | 49.1208% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2260% | 1,291 |
| Loan loss allowance to noncurrent loans | 85.9981% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 2.8029% | 1,331 |
| Noncurrent loans to loans | 2.5884% | 1,647 |
| Net loans and leases to total assets | 58.9887% | 3,855 |
| Net loans and leases to deposits | 79.6643% | 2,455 |
| Net loans and leases to core deposits | 83.9132% | 2,663 |
| Total domestic deposits to total assets | 74.0466% | 6,364 |
| Equity capital to assets | 21.9028% | 149 |
| Core capital (leverage) ratio | 21.9621% | 137 |
| Tier 1 risk-based capital ratio | 45.6563% | 166 |
| Total risk-based capital ratio | 46.9255% | 167 |
| Memoranda: | ||
| Average total assets | $267,093,000 | 2,386 |
| Average earning assets | $255,741,250 | 2,290 |
| Average equity | $57,392,000 | 1,261 |
| Average total loans | $156,046,250 | 2,483 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1888% | 6,245 |
| Cost of funding earning assets | 0.2256% | 6,339 |
| Net interest margin | 2.9632% | 5,666 |
| Noninterest income to average assets | 0.3192% | 5,156 |
| Noninterest expense to average assets | 1.4025% | 6,730 |
| Loan and lease loss provision to assets | 0.1873% | 2,020 |
| Net operating income to assets | 1.5404% | 832 |
| Return on assets (ROA) | 1.5404% | 899 |
| Pretax return on assets | 1.5636% | 1,456 |
| Return on Equity (ROE) | 7.2153% | 3,483 |
| Retained earnings to average equity (ytd only) | 1.5301% | 5,258 |
| Net charge-offs to loans | 0.2010% | 2,556 |
| Credit loss provision to net charge-offs | 161.2903% | 1,448 |
| Earnings coverage of net charge-offs (x) | 15.0774% | 1,772 |
| Efficiency ratio | 44.4761% | 6,698 |
| Assets per employee ($millions) | 5.4645% | 1,618 |
| Cash dividends to net income (ytd only)* | 78.7938% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2137% | 1,397 |
| Loan loss allowance to noncurrent loans | 75.8871% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 3.0385% | 1,334 |
| Noncurrent loans to loans | 2.9170% | 1,539 |
| Net loans and leases to total assets | 58.5664% | 3,894 |
| Net loans and leases to deposits | 78.2260% | 2,539 |
| Net loans and leases to core deposits | 82.3157% | 2,767 |
| Total domestic deposits to total assets | 74.8683% | 6,370 |
| Equity capital to assets | 21.4236% | 153 |
| Core capital (leverage) ratio | 21.0370% | 143 |
| Tier 1 risk-based capital ratio | 45.4390% | 166 |
| Total risk-based capital ratio | 46.7080% | 167 |
| Memoranda: | ||
| Average total assets | $266,943,670 | 2,399 |
| Average earning assets | $255,329,000 | 2,302 |
| Average equity | $56,989,670 | 1,267 |
| Average total loans | $154,257,670 | 2,516 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2084% | 6,288 |
| Cost of funding earning assets | 0.2470% | 6,307 |
| Net interest margin | 2.9614% | 5,671 |
| Noninterest income to average assets | 0.6033% | 3,117 |
| Noninterest expense to average assets | 1.3477% | 6,850 |
| Loan and lease loss provision to assets | 0.1501% | 2,367 |
| Net operating income to assets | 1.8984% | 410 |
| Return on assets (ROA) | 1.8984% | 447 |
| Pretax return on assets | 1.9300% | 690 |
| Return on Equity (ROE) | 8.9081% | 2,523 |
| Retained earnings to average equity (ytd only) | -2.4999% | 6,138 |
| Net charge-offs to loans | 0.4100% | 1,426 |
| Credit loss provision to net charge-offs | 64.5161% | 2,364 |
| Earnings coverage of net charge-offs (x) | 8.9419% | 1,900 |
| Efficiency ratio | 39.3170% | 6,885 |
| Assets per employee ($millions) | 5.6878% | 1,502 |
| Cash dividends to net income (ytd only)* | 128.0632% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2386% | 1,505 |
| Loan loss allowance to noncurrent loans | 81.8291% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 3.4420% | 1,241 |
| Noncurrent loans to loans | 2.7356% | 1,862 |
| Net loans and leases to total assets | 54.3874% | 4,348 |
| Net loans and leases to deposits | 73.0283% | 3,045 |
| Net loans and leases to core deposits | 76.6888% | 3,233 |
| Total domestic deposits to total assets | 74.4744% | 6,507 |
| Equity capital to assets | 20.7397% | 185 |
| Core capital (leverage) ratio | 20.9709% | 159 |
| Tier 1 risk-based capital ratio | 39.9859% | 235 |
| Total risk-based capital ratio | 41.2499% | 231 |
| Memoranda: | ||
| Average total assets | $266,535,000 | 2,427 |
| Average earning assets | $254,206,500 | 2,335 |
| Average equity | $56,802,500 | 1,286 |
| Average total loans | $151,202,500 | 2,566 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4160% | 6,468 |
| Cost of funding earning assets | 0.4125% | 5,832 |
| Net interest margin | 3.0035% | 6,046 |
| Noninterest income to average assets | 0.4919% | 3,953 |
| Noninterest expense to average assets | 1.5288% | 6,854 |
| Loan and lease loss provision to assets | 0.3761% | 1,741 |
| Net operating income to assets | 1.4065% | 1,089 |
| Return on assets (ROA) | 1.4065% | 1,201 |
| Pretax return on assets | 1.4320% | 1,934 |
| Return on Equity (ROE) | 6.5666% | 3,877 |
| Retained earnings to average equity (ytd only) | 3.8831% | 3,463 |
| Net charge-offs to loans | 0.0704% | 4,975 |
| Credit loss provision to net charge-offs | 955.8824% | 267 |
| Earnings coverage of net charge-offs (x) | 45.9510% | 715 |
| Efficiency ratio | 45.8150% | 6,789 |
| Assets per employee ($millions) | 5.3073% | 1,894 |
| Cash dividends to net income (ytd only)* | 40.8667% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2954% | 1,383 |
| Loan loss allowance to noncurrent loans | 79.1161% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 3.7611% | 1,179 |
| Noncurrent loans to loans | 2.9013% | 1,803 |
| Net loans and leases to total assets | 56.5512% | 4,193 |
| Net loans and leases to deposits | 74.5710% | 3,007 |
| Net loans and leases to core deposits | 77.8246% | 3,288 |
| Total domestic deposits to total assets | 75.8354% | 6,375 |
| Equity capital to assets | 21.9117% | 156 |
| Core capital (leverage) ratio | 22.1443% | 131 |
| Tier 1 risk-based capital ratio | 41.0292% | 219 |
| Total risk-based capital ratio | 42.2943% | 216 |
| Memoranda: | ||
| Average total assets | $259,220,400 | 2,445 |
| Average earning assets | $245,547,400 | 2,362 |
| Average equity | $55,523,000 | 1,286 |
| Average total loans | $144,784,000 | 2,653 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4436% | 6,570 |
| Cost of funding earning assets | 0.4520% | 5,780 |
| Net interest margin | 2.9916% | 6,184 |
| Noninterest income to average assets | 0.4834% | 4,037 |
| Noninterest expense to average assets | 1.4707% | 6,953 |
| Loan and lease loss provision to assets | 0.3475% | 1,883 |
| Net operating income to assets | 1.4697% | 1,075 |
| Return on assets (ROA) | 1.4697% | 1,200 |
| Pretax return on assets | 1.4964% | 1,889 |
| Return on Equity (ROE) | 6.9012% | 3,865 |
| Retained earnings to average equity (ytd only) | 3.2995% | 4,545 |
| Net charge-offs to loans | 0.0586% | 4,842 |
| Credit loss provision to net charge-offs | 1,071.4286% | 263 |
| Earnings coverage of net charge-offs (x) | 56.8557% | 686 |
| Efficiency ratio | 44.3702% | 6,887 |
| Assets per employee ($millions) | 5.3683% | 1,761 |
| Cash dividends to net income (ytd only)* | 52.1892% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1976% | 1,710 |
| Loan loss allowance to noncurrent loans | 61.9833% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 4.0927% | 1,178 |
| Noncurrent loans to loans | 3.5454% | 1,530 |
| Net loans and leases to total assets | 55.1654% | 4,576 |
| Net loans and leases to deposits | 73.1259% | 3,429 |
| Net loans and leases to core deposits | 75.5054% | 3,792 |
| Total domestic deposits to total assets | 75.4389% | 6,462 |
| Equity capital to assets | 21.8123% | 177 |
| Core capital (leverage) ratio | 21.6763% | 149 |
| Tier 1 risk-based capital ratio | 40.5128% | 228 |
| Total risk-based capital ratio | 41.7760% | 224 |
| Memoranda: | ||
| Average total assets | $259,011,000 | 2,471 |
| Average earning assets | $245,122,250 | 2,401 |
| Average equity | $55,158,000 | 1,299 |
| Average total loans | $143,349,750 | 2,706 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4932% | 6,612 |
| Cost of funding earning assets | 0.5017% | 5,605 |
| Net interest margin | 2.9915% | 6,263 |
| Noninterest income to average assets | 0.4294% | 4,436 |
| Noninterest expense to average assets | 1.4977% | 7,006 |
| Loan and lease loss provision to assets | 0.2891% | 2,270 |
| Net operating income to assets | 1.4577% | 1,071 |
| Return on assets (ROA) | 1.4577% | 1,205 |
| Pretax return on assets | 1.4692% | 1,957 |
| Return on Equity (ROE) | 6.9003% | 3,833 |
| Retained earnings to average equity (ytd only) | 1.4633% | 5,468 |
| Net charge-offs to loans | 0.0883% | 4,267 |
| Credit loss provision to net charge-offs | 595.2381% | 531 |
| Earnings coverage of net charge-offs (x) | 36.2063% | 949 |
| Efficiency ratio | 45.9991% | 6,883 |
| Assets per employee ($millions) | 5.3343% | 1,789 |
| Cash dividends to net income (ytd only)* | 78.7943% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9797% | 2,282 |
| Loan loss allowance to noncurrent loans | 86.0541% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 3.2947% | 1,645 |
| Noncurrent loans to loans | 2.3005% | 2,607 |
| Net loans and leases to total assets | 55.9642% | 4,475 |
| Net loans and leases to deposits | 73.2166% | 3,421 |
| Net loans and leases to core deposits | 75.4797% | 3,819 |
| Total domestic deposits to total assets | 76.4365% | 6,403 |
| Equity capital to assets | 21.5717% | 176 |
| Core capital (leverage) ratio | 21.1307% | 160 |
| Tier 1 risk-based capital ratio | 40.5213% | 219 |
| Total risk-based capital ratio | 41.7819% | 218 |
| Memoranda: | ||
| Average total assets | $259,456,000 | 2,468 |
| Average earning assets | $245,159,330 | 2,398 |
| Average equity | $54,809,000 | 1,295 |
| Average total loans | $142,685,670 | 2,728 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4521% | 6,752 |
| Cost of funding earning assets | 0.5524% | 5,483 |
| Net interest margin | 2.8997% | 6,489 |
| Noninterest income to average assets | 0.4855% | 4,017 |
| Noninterest expense to average assets | 1.3892% | 7,120 |
| Loan and lease loss provision to assets | 0.2297% | 2,651 |
| Net operating income to assets | 1.5990% | 863 |
| Return on assets (ROA) | 1.5990% | 967 |
| Pretax return on assets | 1.6082% | 1,544 |
| Return on Equity (ROE) | 7.6488% | 3,431 |
| Retained earnings to average equity (ytd only) | -3.2676% | 6,426 |
| Net charge-offs to loans | 0.1703% | 3,066 |
| Credit loss provision to net charge-offs | 250.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,201 |
| Efficiency ratio | 43.0470% | 7,027 |
| Assets per employee ($millions) | 5.3872% | 1,800 |
| Cash dividends to net income (ytd only)* | 142.7203% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9003% | 2,673 |
| Loan loss allowance to noncurrent loans | 90.7609% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 3.1321% | 1,853 |
| Noncurrent loans to loans | 2.0938% | 3,036 |
| Net loans and leases to total assets | 52.2529% | 4,983 |
| Net loans and leases to deposits | 68.1024% | 4,043 |
| Net loans and leases to core deposits | 70.1876% | 4,385 |
| Total domestic deposits to total assets | 76.7269% | 6,449 |
| Equity capital to assets | 20.5979% | 207 |
| Core capital (leverage) ratio | 20.8949% | 166 |
| Tier 1 risk-based capital ratio | 39.9182% | 229 |
| Total risk-based capital ratio | 41.1772% | 226 |
| Memoranda: | ||
| Average total assets | $261,162,000 | 2,472 |
| Average earning assets | $246,925,000 | 2,391 |
| Average equity | $54,597,000 | 1,298 |
| Average total loans | $140,935,000 | 2,773 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8150% | 6,710 |
| Cost of funding earning assets | 0.6452% | 5,854 |
| Net interest margin | 3.1698% | 6,169 |
| Noninterest income to average assets | 0.3888% | 4,716 |
| Noninterest expense to average assets | 2.0527% | 6,578 |
| Loan and lease loss provision to assets | 0.1523% | 4,717 |
| Net operating income to assets | 1.1853% | 1,546 |
| Return on assets (ROA) | 1.1853% | 1,661 |
| Pretax return on assets | 1.1937% | 2,484 |
| Return on Equity (ROE) | 5.7317% | 4,012 |
| Retained earnings to average equity (ytd only) | 3.0472% | 4,062 |
| Net charge-offs to loans | 1.5658% | 1,010 |
| Credit loss provision to net charge-offs | 17.5055% | 5,946 |
| Earnings coverage of net charge-offs (x) | 1.5470% | 4,613 |
| Efficiency ratio | 60.3966% | 5,686 |
| Assets per employee ($millions) | 5.0657% | 2,111 |
| Cash dividends to net income (ytd only)* | 46.8358% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8278% | 2,781 |
| Loan loss allowance to noncurrent loans | 78.3849% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 3.3242% | 1,786 |
| Noncurrent loans to loans | 2.3318% | 2,820 |
| Net loans and leases to total assets | 53.6799% | 5,088 |
| Net loans and leases to deposits | 71.3440% | 3,896 |
| Net loans and leases to core deposits | 73.6190% | 4,296 |
| Total domestic deposits to total assets | 75.2410% | 6,569 |
| Equity capital to assets | 21.2197% | 183 |
| Core capital (leverage) ratio | 20.7777% | 171 |
| Tier 1 risk-based capital ratio | 39.9043% | 230 |
| Total risk-based capital ratio | 41.1621% | 227 |
| Memoranda: | ||
| Average total assets | $262,630,200 | 2,405 |
| Average earning assets | $249,383,200 | 2,309 |
| Average equity | $54,312,000 | 1,253 |
| Average total loans | $145,933,600 | 2,699 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8425% | 6,792 |
| Cost of funding earning assets | 0.6605% | 5,980 |
| Net interest margin | 3.1820% | 6,197 |
| Noninterest income to average assets | 0.3878% | 4,755 |
| Noninterest expense to average assets | 1.4334% | 7,265 |
| Loan and lease loss provision to assets | 0.2022% | 3,998 |
| Net operating income to assets | 1.7585% | 556 |
| Return on assets (ROA) | 1.7585% | 609 |
| Pretax return on assets | 1.7727% | 1,006 |
| Return on Equity (ROE) | 8.5582% | 2,797 |
| Retained earnings to average equity (ytd only) | 4.9705% | 3,188 |
| Net charge-offs to loans | 2.0439% | 611 |
| Credit loss provision to net charge-offs | 17.7384% | 5,592 |
| Earnings coverage of net charge-offs (x) | 1.7322% | 4,353 |
| Efficiency ratio | 42.0561% | 7,206 |
| Assets per employee ($millions) | 5.1500% | 1,991 |
| Cash dividends to net income (ytd only)* | 41.9206% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7691% | 3,044 |
| Loan loss allowance to noncurrent loans | 80.2458% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 2.9534% | 2,180 |
| Noncurrent loans to loans | 2.2046% | 3,103 |
| Net loans and leases to total assets | 55.2187% | 4,969 |
| Net loans and leases to deposits | 73.0647% | 3,800 |
| Net loans and leases to core deposits | 75.7367% | 4,225 |
| Total domestic deposits to total assets | 75.5751% | 6,581 |
| Equity capital to assets | 21.0086% | 208 |
| Core capital (leverage) ratio | 20.9065% | 180 |
| Tier 1 risk-based capital ratio | 38.8690% | 271 |
| Total risk-based capital ratio | 40.1265% | 267 |
| Memoranda: | ||
| Average total assets | $263,700,250 | 2,405 |
| Average earning assets | $250,315,000 | 2,315 |
| Average equity | $54,184,750 | 1,255 |
| Average total loans | $147,101,000 | 2,702 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8577% | 6,859 |
| Cost of funding earning assets | 0.6840% | 6,049 |
| Net interest margin | 3.1738% | 6,233 |
| Noninterest income to average assets | 0.4189% | 4,523 |
| Noninterest expense to average assets | 1.4687% | 7,326 |
| Loan and lease loss provision to assets | 0.2272% | 3,645 |
| Net operating income to assets | 1.7179% | 579 |
| Return on assets (ROA) | 1.7179% | 623 |
| Pretax return on assets | 1.7315% | 987 |
| Return on Equity (ROE) | 8.4229% | 2,752 |
| Retained earnings to average equity (ytd only) | 3.0082% | 4,363 |
| Net charge-offs to loans | 3.0547% | 333 |
| Credit loss provision to net charge-offs | 13.3690% | 5,211 |
| Earnings coverage of net charge-offs (x) | 1.1524% | 4,413 |
| Efficiency ratio | 42.8508% | 7,277 |
| Assets per employee ($millions) | 5.1816% | 1,896 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7200% | 3,260 |
| Loan loss allowance to noncurrent loans | 79.0909% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 2.9108% | 2,307 |
| Noncurrent loans to loans | 2.1747% | 3,250 |
| Net loans and leases to total assets | 54.5548% | 5,215 |
| Net loans and leases to deposits | 71.8289% | 4,141 |
| Net loans and leases to core deposits | 74.4445% | 4,519 |
| Total domestic deposits to total assets | 75.9510% | 6,606 |
| Equity capital to assets | 20.4124% | 240 |
| Core capital (leverage) ratio | 20.1633% | 211 |
| Tier 1 risk-based capital ratio | 37.8717% | 281 |
| Total risk-based capital ratio | 39.1280% | 275 |
| Memoranda: | ||
| Average total assets | $264,050,330 | 2,412 |
| Average earning assets | $250,303,000 | 2,324 |
| Average equity | $53,853,330 | 1,251 |
| Average total loans | $146,920,000 | 2,733 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8440% | 6,896 |
| Cost of funding earning assets | 0.7036% | 6,111 |
| Net interest margin | 3.1405% | 6,243 |
| Noninterest income to average assets | 0.4486% | 4,302 |
| Noninterest expense to average assets | 1.3230% | 7,445 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0853% | 309 |
| Return on assets (ROA) | 2.0853% | 324 |
| Pretax return on assets | 2.1020% | 469 |
| Return on Equity (ROE) | 10.2288% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.2288% | 1,073 |
| Net charge-offs to loans | 3.9882% | 225 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.9461% | 3,943 |
| Efficiency ratio | 38.6283% | 7,413 |
| Assets per employee ($millions) | 5.3462% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0672% | 2,255 |
| Loan loss allowance to noncurrent loans | 54.9533% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 3.7226% | 1,815 |
| Noncurrent loans to loans | 3.7617% | 1,959 |
| Net loans and leases to total assets | 53.1862% | 5,424 |
| Net loans and leases to deposits | 71.4554% | 4,142 |
| Net loans and leases to core deposits | 74.1120% | 4,529 |
| Total domestic deposits to total assets | 74.4327% | 6,864 |
| Equity capital to assets | 20.3864% | 236 |
| Core capital (leverage) ratio | 20.4701% | 204 |
| Tier 1 risk-based capital ratio | 38.3807% | 263 |
| Total risk-based capital ratio | 39.6413% | 257 |
| Memoranda: | ||
| Average total assets | $263,945,000 | 2,437 |
| Average earning assets | $250,153,000 | 2,344 |
| Average equity | $53,809,000 | 1,242 |
| Average total loans | $147,035,000 | 2,755 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3004% | 6,792 |
| Cost of funding earning assets | 0.9387% | 5,991 |
| Net interest margin | 3.3617% | 5,756 |
| Noninterest income to average assets | 0.3595% | 5,234 |
| Noninterest expense to average assets | 1.7121% | 7,344 |
| Loan and lease loss provision to assets | 0.6490% | 2,546 |
| Net operating income to assets | 1.1425% | 1,571 |
| Return on assets (ROA) | 1.1425% | 1,652 |
| Pretax return on assets | 1.1671% | 2,337 |
| Return on Equity (ROE) | 5.7659% | 3,712 |
| Retained earnings to average equity (ytd only) | 5.7659% | 1,954 |
| Net charge-offs to loans | 0.3396% | 4,314 |
| Credit loss provision to net charge-offs | 337.5984% | 762 |
| Earnings coverage of net charge-offs (x) | 9.4469% | 1,818 |
| Efficiency ratio | 48.5252% | 7,235 |
| Assets per employee ($millions) | 5.1094% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0001% | 866 |
| Loan loss allowance to noncurrent loans | 68.4074% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 4.2306% | 1,582 |
| Noncurrent loans to loans | 4.3856% | 1,635 |
| Net loans and leases to total assets | 55.4264% | 5,426 |
| Net loans and leases to deposits | 72.6286% | 4,410 |
| Net loans and leases to core deposits | 75.2251% | 4,826 |
| Total domestic deposits to total assets | 76.3148% | 6,597 |
| Equity capital to assets | 20.3864% | 236 |
| Core capital (leverage) ratio | 20.3042% | 222 |
| Tier 1 risk-based capital ratio | 37.1374% | 293 |
| Total risk-based capital ratio | 38.4105% | 289 |
| Memoranda: | ||
| Average total assets | $264,235,400 | 2,412 |
| Average earning assets | $249,069,200 | 2,350 |
| Average equity | $52,359,400 | 1,275 |
| Average total loans | $149,591,600 | 2,776 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3643% | 6,869 |
| Cost of funding earning assets | 0.9980% | 5,944 |
| Net interest margin | 3.3664% | 5,790 |
| Noninterest income to average assets | 0.3555% | 5,319 |
| Noninterest expense to average assets | 1.4764% | 7,559 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.0300% | 322 |
| Return on assets (ROA) | 2.0300% | 346 |
| Pretax return on assets | 2.0561% | 553 |
| Return on Equity (ROE) | 10.3176% | 2,000 |
| Retained earnings to average equity (ytd only) | 10.3176% | 722 |
| Net charge-offs to loans | 0.4442% | 3,530 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 8.1943% | 2,197 |
| Efficiency ratio | 41.7936% | 7,533 |
| Assets per employee ($millions) | 5.1115% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8552% | 2,612 |
| Loan loss allowance to noncurrent loans | 42.5424% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 4.4356% | 1,533 |
| Noncurrent loans to loans | 4.3609% | 1,669 |
| Net loans and leases to total assets | 56.0307% | 5,542 |
| Net loans and leases to deposits | 74.7064% | 4,398 |
| Net loans and leases to core deposits | 76.8490% | 4,942 |
| Total domestic deposits to total assets | 75.0012% | 6,797 |
| Equity capital to assets | 20.7788% | 244 |
| Core capital (leverage) ratio | 20.6748% | 221 |
| Tier 1 risk-based capital ratio | 37.5324% | 294 |
| Total risk-based capital ratio | 38.7878% | 288 |
| Memoranda: | ||
| Average total assets | $265,149,250 | 2,442 |
| Average earning assets | $250,233,750 | 2,369 |
| Average equity | $52,168,500 | 1,283 |
| Average total loans | $149,765,250 | 2,814 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3910% | 6,914 |
| Cost of funding earning assets | 1.0636% | 5,856 |
| Net interest margin | 3.3275% | 5,917 |
| Noninterest income to average assets | 0.4050% | 4,873 |
| Noninterest expense to average assets | 1.4897% | 7,620 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.0267% | 318 |
| Return on assets (ROA) | 2.0267% | 346 |
| Pretax return on assets | 2.0530% | 547 |
| Return on Equity (ROE) | 10.4927% | 1,930 |
| Retained earnings to average equity (ytd only) | 10.4927% | 750 |
| Net charge-offs to loans | 0.5024% | 3,029 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 7.2599% | 2,331 |
| Efficiency ratio | 42.0495% | 7,588 |
| Assets per employee ($millions) | 5.0360% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9343% | 2,334 |
| Loan loss allowance to noncurrent loans | 40.8820% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 4.2824% | 1,563 |
| Noncurrent loans to loans | 4.7313% | 1,501 |
| Net loans and leases to total assets | 54.7629% | 5,876 |
| Net loans and leases to deposits | 72.9638% | 4,839 |
| Net loans and leases to core deposits | 74.5876% | 5,377 |
| Total domestic deposits to total assets | 75.0548% | 6,848 |
| Equity capital to assets | 19.7925% | 295 |
| Core capital (leverage) ratio | 19.7250% | 261 |
| Tier 1 risk-based capital ratio | 36.0268% | 323 |
| Total risk-based capital ratio | 37.2855% | 313 |
| Memoranda: | ||
| Average total assets | $266,637,670 | 2,447 |
| Average earning assets | $251,421,670 | 2,380 |
| Average equity | $51,502,330 | 1,293 |
| Average total loans | $150,079,000 | 2,837 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4390% | 6,923 |
| Cost of funding earning assets | 1.1408% | 5,695 |
| Net interest margin | 3.2982% | 5,980 |
| Noninterest income to average assets | 0.4368% | 4,585 |
| Noninterest expense to average assets | 1.3418% | 7,786 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.1748% | 261 |
| Return on assets (ROA) | 2.1748% | 287 |
| Pretax return on assets | 2.2064% | 414 |
| Return on Equity (ROE) | 11.4006% | 1,670 |
| Retained earnings to average equity (ytd only) | 11.4006% | 848 |
| Net charge-offs to loans | 1.0014% | 1,638 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 3.8992% | 2,752 |
| Efficiency ratio | 37.8173% | 7,771 |
| Assets per employee ($millions) | 5.3715% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9184% | 2,391 |
| Loan loss allowance to noncurrent loans | 43.6884% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 4.0871% | 1,675 |
| Noncurrent loans to loans | 4.3910% | 1,714 |
| Net loans and leases to total assets | 54.8824% | 5,908 |
| Net loans and leases to deposits | 73.0015% | 4,905 |
| Net loans and leases to core deposits | 74.7989% | 5,413 |
| Total domestic deposits to total assets | 75.1798% | 6,877 |
| Equity capital to assets | 19.1998% | 327 |
| Core capital (leverage) ratio | 19.3667% | 287 |
| Tier 1 risk-based capital ratio | 34.1241% | 380 |
| Total risk-based capital ratio | 35.3824% | 378 |
| Memoranda: | ||
| Average total assets | $266,502,000 | 2,503 |
| Average earning assets | $251,408,500 | 2,434 |
| Average equity | $50,839,500 | 1,314 |
| Average total loans | $150,593,500 | 2,887 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8435% | 6,857 |
| Cost of funding earning assets | 1.6078% | 4,994 |
| Net interest margin | 3.2357% | 5,971 |
| Noninterest income to average assets | 0.2611% | 6,245 |
| Noninterest expense to average assets | 1.5142% | 7,809 |
| Loan and lease loss provision to assets | 0.6603% | 3,172 |
| Net operating income to assets | 1.1529% | 1,381 |
| Return on assets (ROA) | 1.1529% | 1,405 |
| Pretax return on assets | 1.1796% | 2,004 |
| Return on Equity (ROE) | 6.1838% | 3,131 |
| Retained earnings to average equity (ytd only) | 2.8611% | 3,175 |
| Net charge-offs to loans | 0.0188% | 6,959 |
| Credit loss provision to net charge-offs | 6,137.9310% | 53 |
| Earnings coverage of net charge-offs (x) | 171.0345% | 167 |
| Efficiency ratio | 45.1449% | 7,745 |
| Assets per employee ($millions) | 5.2886% | 1,845 |
| Cash dividends to net income (ytd only)* | 53.7323% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1603% | 1,715 |
| Loan loss allowance to noncurrent loans | 40.2817% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 4.7041% | 1,348 |
| Noncurrent loans to loans | 5.3630% | 1,218 |
| Net loans and leases to total assets | 55.8349% | 5,973 |
| Net loans and leases to deposits | 72.9735% | 5,195 |
| Net loans and leases to core deposits | 85.3803% | 5,586 |
| Total domestic deposits to total assets | 76.5138% | 6,586 |
| Equity capital to assets | 18.9515% | 371 |
| Core capital (leverage) ratio | 18.9177% | 343 |
| Tier 1 risk-based capital ratio | 33.6469% | 388 |
| Total risk-based capital ratio | 34.9087% | 374 |
| Memoranda: | ||
| Average total assets | $269,583,800 | 2,422 |
| Average earning assets | $257,687,000 | 2,347 |
| Average equity | $50,260,200 | 1,337 |
| Average total loans | $154,108,400 | 2,858 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0678% | 6,386 |
| Cost of funding earning assets | 1.7103% | 4,844 |
| Net interest margin | 3.3575% | 5,419 |
| Noninterest income to average assets | 0.2688% | 6,309 |
| Noninterest expense to average assets | 1.4590% | 7,905 |
| Loan and lease loss provision to assets | 0.0984% | 6,382 |
| Net operating income to assets | 1.9020% | 357 |
| Return on assets (ROA) | 1.9020% | 384 |
| Pretax return on assets | 1.9320% | 617 |
| Return on Equity (ROE) | 10.2429% | 1,832 |
| Retained earnings to average equity (ytd only) | 5.8160% | 2,035 |
| Net charge-offs to loans | 0.0250% | 6,535 |
| Credit loss provision to net charge-offs | 689.6552% | 543 |
| Earnings coverage of net charge-offs (x) | 142.2255% | 273 |
| Efficiency ratio | 41.8113% | 7,891 |
| Assets per employee ($millions) | 5.2893% | 1,799 |
| Cash dividends to net income (ytd only)* | 43.2195% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 5,783 |
| Loan loss allowance to noncurrent loans | 20.5254% | 7,067 |
| Noncurrent assets plus other real estate owned to assets | 3.2560% | 2,081 |
| Noncurrent loans to loans | 5.3181% | 1,199 |
| Net loans and leases to total assets | 57.5609% | 5,960 |
| Net loans and leases to deposits | 75.1225% | 5,194 |
| Net loans and leases to core deposits | 87.8565% | 5,655 |
| Total domestic deposits to total assets | 76.6227% | 6,441 |
| Equity capital to assets | 19.2376% | 397 |
| Core capital (leverage) ratio | 19.1323% | 369 |
| Tier 1 risk-based capital ratio | 34.0178% | 405 |
| Total risk-based capital ratio | 35.1414% | 399 |
| Memoranda: | ||
| Average total assets | $270,872,750 | 2,417 |
| Average earning assets | $259,832,250 | 2,340 |
| Average equity | $50,297,000 | 1,354 |
| Average total loans | $154,909,750 | 2,871 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1549% | 6,239 |
| Cost of funding earning assets | 1.8059% | 4,727 |
| Net interest margin | 3.3491% | 5,368 |
| Noninterest income to average assets | 0.2850% | 6,226 |
| Noninterest expense to average assets | 1.4381% | 7,999 |
| Loan and lease loss provision to assets | 0.0586% | 6,636 |
| Net operating income to assets | 1.9714% | 317 |
| Return on assets (ROA) | 1.9714% | 349 |
| Pretax return on assets | 2.0014% | 569 |
| Return on Equity (ROE) | 10.7417% | 1,772 |
| Retained earnings to average equity (ytd only) | 10.7417% | 601 |
| Net charge-offs to loans | 0.0374% | 5,935 |
| Credit loss provision to net charge-offs | 275.8621% | 1,696 |
| Earnings coverage of net charge-offs (x) | 96.9655% | 393 |
| Efficiency ratio | 41.1099% | 7,999 |
| Assets per employee ($millions) | 4.8728% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 6,147 |
| Loan loss allowance to noncurrent loans | 18.6893% | 7,202 |
| Noncurrent assets plus other real estate owned to assets | 3.2731% | 1,901 |
| Noncurrent loans to loans | 5.4089% | 1,080 |
| Net loans and leases to total assets | 56.9984% | 6,086 |
| Net loans and leases to deposits | 73.5734% | 5,526 |
| Net loans and leases to core deposits | 86.2558% | 5,880 |
| Total domestic deposits to total assets | 77.4714% | 6,204 |
| Equity capital to assets | 19.1652% | 446 |
| Core capital (leverage) ratio | 18.8806% | 431 |
| Tier 1 risk-based capital ratio | 34.0634% | 448 |
| Total risk-based capital ratio | 35.0981% | 439 |
| Memoranda: | ||
| Average total assets | $273,008,330 | 2,424 |
| Average earning assets | $261,923,670 | 2,333 |
| Average equity | $50,103,670 | 1,371 |
| Average total loans | $155,243,330 | 2,903 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2690% | 6,031 |
| Cost of funding earning assets | 1.9402% | 4,431 |
| Net interest margin | 3.3288% | 5,405 |
| Noninterest income to average assets | 0.3223% | 5,873 |
| Noninterest expense to average assets | 1.1586% | 8,126 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.3273% | 180 |
| Return on assets (ROA) | 2.3273% | 211 |
| Pretax return on assets | 2.3622% | 325 |
| Return on Equity (ROE) | 12.9605% | 1,401 |
| Retained earnings to average equity (ytd only) | 12.9605% | 650 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.9072% | 8,131 |
| Assets per employee ($millions) | 5.0844% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 6,335 |
| Loan loss allowance to noncurrent loans | 28.2531% | 6,670 |
| Noncurrent assets plus other real estate owned to assets | 2.0910% | 2,765 |
| Noncurrent loans to loans | 3.4588% | 1,843 |
| Net loans and leases to total assets | 55.6927% | 6,283 |
| Net loans and leases to deposits | 71.3858% | 5,816 |
| Net loans and leases to core deposits | 83.8494% | 6,068 |
| Total domestic deposits to total assets | 78.0164% | 6,013 |
| Equity capital to assets | 18.3122% | 568 |
| Core capital (leverage) ratio | 18.1768% | 537 |
| Tier 1 risk-based capital ratio | 33.1229% | 490 |
| Total risk-based capital ratio | 34.1172% | 489 |
| Memoranda: | ||
| Average total assets | $275,509,500 | 2,417 |
| Average earning assets | $264,717,500 | 2,328 |
| Average equity | $49,473,500 | 1,392 |
| Average total loans | $155,705,500 | 2,919 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9681% | 5,710 |
| Cost of funding earning assets | 2.5422% | 3,992 |
| Net interest margin | 3.4259% | 5,555 |
| Noninterest income to average assets | 0.3955% | 5,508 |
| Noninterest expense to average assets | 1.4124% | 8,069 |
| Loan and lease loss provision to assets | 0.0355% | 6,963 |
| Net operating income to assets | 2.2040% | 237 |
| Return on assets (ROA) | 2.2040% | 233 |
| Pretax return on assets | 2.2353% | 367 |
| Return on Equity (ROE) | 13.5800% | 1,191 |
| Retained earnings to average equity (ytd only) | 13.5800% | 141 |
| Net charge-offs to loans | 0.0547% | 6,006 |
| Credit loss provision to net charge-offs | 116.2791% | 4,637 |
| Earnings coverage of net charge-offs (x) | 74.4419% | 550 |
| Efficiency ratio | 38.3475% | 8,154 |
| Assets per employee ($millions) | 5.3166% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 6,338 |
| Loan loss allowance to noncurrent loans | 47.2005% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 1.3011% | 3,622 |
| Noncurrent loans to loans | 2.0364% | 2,717 |
| Net loans and leases to total assets | 56.2410% | 6,407 |
| Net loans and leases to deposits | 71.6199% | 6,099 |
| Net loans and leases to core deposits | 84.5676% | 6,248 |
| Total domestic deposits to total assets | 78.5270% | 5,538 |
| Equity capital to assets | 17.6045% | 704 |
| Core capital (leverage) ratio | 17.5726% | 644 |
| Tier 1 risk-based capital ratio | 31.2583% | 580 |
| Total risk-based capital ratio | 32.2276% | 583 |
| Memoranda: | ||
| Average total assets | $281,936,400 | 2,306 |
| Average earning assets | $270,556,600 | 2,226 |
| Average equity | $45,758,600 | 1,487 |
| Average total loans | $157,216,600 | 2,818 |