Home > The Bank of Old Monroe > Performance and Condition Ratios
The Bank of Old Monroe, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1229% | 1,814 |
| Cost of funding earning assets | 1.3130% | 2,478 |
| Net interest margin | 3.8099% | 1,549 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 1.7341% | 4,093 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 2.3295% | 292 |
| Return on assets (ROA) | 2.3308% | 282 |
| Pretax return on assets | 2.3308% | 414 |
| Return on Equity (ROE) | 59.6100% | 41 |
| Retained earnings to average equity (ytd only) | 34.0961% | 36 |
| Net charge-offs to loans | 0.0161% | 2,059 |
| Credit loss provision to net charge-offs | 421.8182% | 758 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 463 |
| Efficiency ratio | 42.6149% | 4,298 |
| Assets per employee ($millions) | 9.1869% | 924 |
| Cash dividends to net income (ytd only)* | 42.7966% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 1,263 |
| Loan loss allowance to noncurrent loans | 33,658.8235% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 3,827 |
| Noncurrent loans to loans | 0.0043% | 3,759 |
| Net loans and leases to total assets | 54.2100% | 3,335 |
| Net loans and leases to deposits | 59.0009% | 3,580 |
| Net loans and leases to core deposits | 78.4031% | 2,809 |
| Total domestic deposits to total assets | 91.8700% | 327 |
| Equity capital to assets | 5.3247% | 4,364 |
| Core capital (leverage) ratio | 11.4636% | 1,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $647,726,600 | 1,379 |
| Average earning assets | $613,036,200 | 1,355 |
| Average equity | $25,328,400 | 2,502 |
| Average total loans | $342,103,400 | 1,638 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9449% | 1,961 |
| Cost of funding earning assets | 1.1015% | 2,736 |
| Net interest margin | 3.8433% | 1,510 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 1.7268% | 4,085 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 2.3724% | 300 |
| Return on assets (ROA) | 2.3732% | 291 |
| Pretax return on assets | 2.3732% | 440 |
| Return on Equity (ROE) | 67.7700% | 43 |
| Retained earnings to average equity (ytd only) | 33.4609% | 64 |
| Net charge-offs to loans | 0.0146% | 1,871 |
| Credit loss provision to net charge-offs | 358.3333% | 780 |
| Earnings coverage of net charge-offs (x) | 311.5556% | 442 |
| Efficiency ratio | 42.0422% | 4,307 |
| Assets per employee ($millions) | 8.4400% | 1,144 |
| Cash dividends to net income (ytd only)* | 50.6260% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 1,060 |
| Loan loss allowance to noncurrent loans | 20,881.4815% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 3,833 |
| Noncurrent loans to loans | 0.0073% | 3,756 |
| Net loans and leases to total assets | 55.5000% | 3,249 |
| Net loans and leases to deposits | 58.5256% | 3,583 |
| Net loans and leases to core deposits | 71.1880% | 3,155 |
| Total domestic deposits to total assets | 94.8200% | 133 |
| Equity capital to assets | 3.0052% | 4,491 |
| Core capital (leverage) ratio | 11.7066% | 1,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $628,216,500 | 1,417 |
| Average earning assets | $593,599,250 | 1,396 |
| Average equity | $21,999,250 | 2,679 |
| Average total loans | $327,847,750 | 1,693 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 2,315 |
| Cost of funding earning assets | 0.9088% | 2,895 |
| Net interest margin | 3.7374% | 1,740 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 1.7331% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.2825% | 315 |
| Return on assets (ROA) | 2.2835% | 305 |
| Pretax return on assets | 2.2835% | 480 |
| Return on Equity (ROE) | 62.0800% | 46 |
| Retained earnings to average equity (ytd only) | 23.2478% | 161 |
| Net charge-offs to loans | 0.0179% | 1,553 |
| Credit loss provision to net charge-offs | -32.1429% | 4,516 |
| Earnings coverage of net charge-offs (x) | 251.9643% | 507 |
| Efficiency ratio | 43.1598% | 4,293 |
| Assets per employee ($millions) | 8.0670% | 1,286 |
| Cash dividends to net income (ytd only)* | 62.5531% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6691% | 802 |
| Loan loss allowance to noncurrent loans | 16,690.9091% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 3,821 |
| Noncurrent loans to loans | 0.0100% | 3,715 |
| Net loans and leases to total assets | 50.9200% | 3,495 |
| Net loans and leases to deposits | 54.3421% | 3,729 |
| Net loans and leases to core deposits | 63.0847% | 3,495 |
| Total domestic deposits to total assets | 93.7000% | 169 |
| Equity capital to assets | 4.2013% | 4,487 |
| Core capital (leverage) ratio | 12.0220% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $618,181,667 | 1,436 |
| Average earning assets | $584,312,000 | 1,417 |
| Average equity | $22,737,667 | 2,645 |
| Average total loans | $313,470,333 | 1,731 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 2,225 |
| Cost of funding earning assets | 0.7373% | 2,938 |
| Net interest margin | 3.8015% | 1,684 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 1.7449% | 4,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3739% | 288 |
| Return on assets (ROA) | 2.3752% | 284 |
| Pretax return on assets | 2.3752% | 428 |
| Return on Equity (ROE) | 69.7700% | 41 |
| Retained earnings to average equity (ytd only) | 26.0630% | 160 |
| Net charge-offs to loans | 0.0262% | 1,169 |
| Credit loss provision to net charge-offs | -415.0000% | 4,622 |
| Earnings coverage of net charge-offs (x) | 180.6000% | 534 |
| Efficiency ratio | 42.3648% | 4,375 |
| Assets per employee ($millions) | 8.3157% | 1,198 |
| Cash dividends to net income (ytd only)* | 62.6453% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7624% | 701 |
| Loan loss allowance to noncurrent loans | 5,728.4211% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 3,682 |
| Noncurrent loans to loans | 0.0308% | 3,541 |
| Net loans and leases to total assets | 49.2900% | 3,542 |
| Net loans and leases to deposits | 52.6627% | 3,757 |
| Net loans and leases to core deposits | 58.9144% | 3,587 |
| Total domestic deposits to total assets | 93.6100% | 213 |
| Equity capital to assets | 3.7347% | 4,558 |
| Core capital (leverage) ratio | 12.0888% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $608,624,500 | 1,478 |
| Average earning assets | $575,033,500 | 1,458 |
| Average equity | $20,719,000 | 2,826 |
| Average total loans | $305,203,000 | 1,773 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8204% | 2,219 |
| Cost of funding earning assets | 0.2932% | 2,935 |
| Net interest margin | 3.5272% | 1,847 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 1.7045% | 4,168 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.1286% | 238 |
| Return on assets (ROA) | 2.1286% | 228 |
| Pretax return on assets | 2.1286% | 359 |
| Return on Equity (ROE) | 40.3700% | 57 |
| Retained earnings to average equity (ytd only) | 38.4968% | 20 |
| Net charge-offs to loans | -0.0024% | 3,478 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 44.4678% | 4,411 |
| Assets per employee ($millions) | 7.9196% | 1,366 |
| Cash dividends to net income (ytd only)* | 4.6464% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8361% | 617 |
| Loan loss allowance to noncurrent loans | 9,078.6885% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 3,785 |
| Noncurrent loans to loans | 0.0202% | 3,668 |
| Net loans and leases to total assets | 49.1900% | 3,567 |
| Net loans and leases to deposits | 51.8318% | 3,815 |
| Net loans and leases to core deposits | 55.4527% | 3,743 |
| Total domestic deposits to total assets | 94.9100% | 150 |
| Equity capital to assets | 3.0664% | 4,605 |
| Core capital (leverage) ratio | 11.9200% | 1,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $596,541,200 | 1,492 |
| Average earning assets | $563,508,400 | 1,469 |
| Average equity | $31,452,000 | 2,275 |
| Average total loans | $296,952,400 | 1,735 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 2,205 |
| Cost of funding earning assets | 0.2359% | 2,861 |
| Net interest margin | 3.4103% | 1,943 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 1.6832% | 4,181 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.0653% | 263 |
| Return on assets (ROA) | 2.0653% | 265 |
| Pretax return on assets | 2.0653% | 407 |
| Return on Equity (ROE) | 35.4300% | 62 |
| Retained earnings to average equity (ytd only) | 35.4256% | 20 |
| Net charge-offs to loans | -0.0117% | 3,765 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 44.9026% | 4,432 |
| Assets per employee ($millions) | 7.7451% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8183% | 704 |
| Loan loss allowance to noncurrent loans | 5,395.1456% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 3,780 |
| Noncurrent loans to loans | 0.0337% | 3,652 |
| Net loans and leases to total assets | 50.9800% | 3,386 |
| Net loans and leases to deposits | 52.9570% | 3,670 |
| Net loans and leases to core deposits | 55.0981% | 3,681 |
| Total domestic deposits to total assets | 96.2600% | 111 |
| Equity capital to assets | 1.5873% | 4,675 |
| Core capital (leverage) ratio | 11.6827% | 1,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $595,204,500 | 1,501 |
| Average earning assets | $562,276,250 | 1,480 |
| Average equity | $34,701,000 | 2,155 |
| Average total loans | $295,785,000 | 1,731 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4816% | 2,190 |
| Cost of funding earning assets | 0.2163% | 2,690 |
| Net interest margin | 3.2653% | 2,012 |
| Noninterest income to average assets | 0.5367% | 2,010 |
| Noninterest expense to average assets | 1.6384% | 4,242 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9913% | 232 |
| Return on assets (ROA) | 1.9913% | 234 |
| Pretax return on assets | 1.9913% | 387 |
| Return on Equity (ROE) | 27.5666% | 79 |
| Retained earnings to average equity (ytd only) | 27.5666% | 28 |
| Net charge-offs to loans | 0.0048% | 1,843 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 849.7143% | 158 |
| Efficiency ratio | 45.1434% | 4,491 |
| Assets per employee ($millions) | 8.2640% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8622% | 724 |
| Loan loss allowance to noncurrent loans | 10,043.6364% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 3,940 |
| Noncurrent loans to loans | 0.0185% | 3,826 |
| Net loans and leases to total assets | 48.9272% | 3,472 |
| Net loans and leases to deposits | 52.5439% | 3,644 |
| Net loans and leases to core deposits | 55.8175% | 3,581 |
| Total domestic deposits to total assets | 93.1167% | 489 |
| Equity capital to assets | 3.6949% | 4,652 |
| Core capital (leverage) ratio | 11.4730% | 1,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $597,397,667 | 1,498 |
| Average earning assets | $565,826,667 | 1,480 |
| Average equity | $43,153,667 | 1,885 |
| Average total loans | $292,506,000 | 1,743 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3730% | 2,169 |
| Cost of funding earning assets | 0.2121% | 2,639 |
| Net interest margin | 3.1609% | 1,990 |
| Noninterest income to average assets | 0.5132% | 2,081 |
| Noninterest expense to average assets | 1.6144% | 4,272 |
| Loan and lease loss provision to assets | -0.0013% | 4,391 |
| Net operating income to assets | 1.8978% | 272 |
| Return on assets (ROA) | 1.8978% | 272 |
| Pretax return on assets | 1.8978% | 454 |
| Return on Equity (ROE) | 21.1396% | 193 |
| Retained earnings to average equity (ytd only) | 21.1396% | 83 |
| Net charge-offs to loans | 0.0069% | 1,503 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 567.6000% | 177 |
| Efficiency ratio | 45.9840% | 4,497 |
| Assets per employee ($millions) | 7.8978% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9243% | 708 |
| Loan loss allowance to noncurrent loans | 9,694.7368% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 3,977 |
| Noncurrent loans to loans | 0.0198% | 3,853 |
| Net loans and leases to total assets | 46.9234% | 3,493 |
| Net loans and leases to deposits | 52.7989% | 3,509 |
| Net loans and leases to core deposits | 54.4769% | 3,561 |
| Total domestic deposits to total assets | 88.8718% | 2,135 |
| Equity capital to assets | 6.8848% | 4,269 |
| Core capital (leverage) ratio | 11.3071% | 1,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $598,594,000 | 1,503 |
| Average earning assets | $567,681,000 | 1,485 |
| Average equity | $53,738,000 | 1,629 |
| Average total loans | $290,437,500 | 1,738 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6264% | 2,317 |
| Cost of funding earning assets | 0.2911% | 2,495 |
| Net interest margin | 3.3353% | 2,219 |
| Noninterest income to average assets | 0.7927% | 1,463 |
| Noninterest expense to average assets | 1.7966% | 4,152 |
| Loan and lease loss provision to assets | 0.0906% | 1,372 |
| Net operating income to assets | 2.0421% | 315 |
| Return on assets (ROA) | 2.2418% | 237 |
| Pretax return on assets | 2.2418% | 379 |
| Return on Equity (ROE) | 18.6084% | 408 |
| Retained earnings to average equity (ytd only) | -3.1583% | 4,662 |
| Net charge-offs to loans | 0.0486% | 1,336 |
| Credit loss provision to net charge-offs | 352.1127% | 987 |
| Earnings coverage of net charge-offs (x) | 82.8944% | 974 |
| Efficiency ratio | 45.7232% | 4,512 |
| Assets per employee ($millions) | 7.8547% | 1,415 |
| Cash dividends to net income (ytd only)* | 116.9724% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8832% | 750 |
| Loan loss allowance to noncurrent loans | 4,982.8829% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 3,949 |
| Noncurrent loans to loans | 0.0378% | 3,808 |
| Net loans and leases to total assets | 48.2731% | 3,474 |
| Net loans and leases to deposits | 57.3070% | 3,310 |
| Net loans and leases to core deposits | 59.2392% | 3,374 |
| Total domestic deposits to total assets | 84.2360% | 3,495 |
| Equity capital to assets | 11.0814% | 1,748 |
| Core capital (leverage) ratio | 11.2527% | 1,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $551,918,600 | 1,571 |
| Average earning assets | $519,058,200 | 1,549 |
| Average equity | $66,491,400 | 1,404 |
| Average total loans | $292,026,400 | 1,739 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6969% | 2,284 |
| Cost of funding earning assets | 0.3134% | 2,470 |
| Net interest margin | 3.3836% | 2,199 |
| Noninterest income to average assets | 0.8533% | 1,371 |
| Noninterest expense to average assets | 1.7677% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2594% | 287 |
| Return on assets (ROA) | 2.4488% | 235 |
| Pretax return on assets | 2.4488% | 367 |
| Return on Equity (ROE) | 19.8864% | 434 |
| Retained earnings to average equity (ytd only) | -1.9666% | 4,701 |
| Net charge-offs to loans | 0.0654% | 989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 64.0699% | 1,106 |
| Efficiency ratio | 43.8947% | 4,590 |
| Assets per employee ($millions) | 7.4518% | 1,597 |
| Cash dividends to net income (ytd only)* | 109.8892% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 1,032 |
| Loan loss allowance to noncurrent loans | 4,531.5315% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 4,069 |
| Noncurrent loans to loans | 0.0384% | 3,933 |
| Net loans and leases to total assets | 49.4999% | 3,467 |
| Net loans and leases to deposits | 59.8279% | 3,244 |
| Net loans and leases to core deposits | 62.0869% | 3,314 |
| Total domestic deposits to total assets | 82.7371% | 3,772 |
| Equity capital to assets | 12.0156% | 1,397 |
| Core capital (leverage) ratio | 12.0175% | 1,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $540,659,750 | 1,606 |
| Average earning assets | $507,144,250 | 1,596 |
| Average equity | $66,576,500 | 1,418 |
| Average total loans | $291,608,250 | 1,769 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8219% | 2,011 |
| Cost of funding earning assets | 0.3366% | 2,434 |
| Net interest margin | 3.4853% | 1,901 |
| Noninterest income to average assets | 0.9349% | 1,185 |
| Noninterest expense to average assets | 1.8189% | 4,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.3630% | 262 |
| Return on assets (ROA) | 2.6544% | 192 |
| Pretax return on assets | 2.6544% | 279 |
| Return on Equity (ROE) | 20.1412% | 447 |
| Retained earnings to average equity (ytd only) | -8.3708% | 4,847 |
| Net charge-offs to loans | -0.0021% | 3,204 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4951% | 4,640 |
| Assets per employee ($millions) | 7.2910% | 1,600 |
| Cash dividends to net income (ytd only)* | 141.5603% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 873 |
| Loan loss allowance to noncurrent loans | 1,297.2431% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 3,728 |
| Noncurrent loans to loans | 0.1393% | 3,500 |
| Net loans and leases to total assets | 50.7674% | 3,474 |
| Net loans and leases to deposits | 61.5140% | 3,247 |
| Net loans and leases to core deposits | 63.9256% | 3,292 |
| Total domestic deposits to total assets | 82.5298% | 3,809 |
| Equity capital to assets | 12.5184% | 1,124 |
| Core capital (leverage) ratio | 12.3601% | 966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $531,189,000 | 1,621 |
| Average earning assets | $494,883,333 | 1,619 |
| Average equity | $70,005,667 | 1,360 |
| Average total loans | $292,459,667 | 1,774 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9397% | 1,724 |
| Cost of funding earning assets | 0.3744% | 2,319 |
| Net interest margin | 3.5653% | 1,666 |
| Noninterest income to average assets | 0.8820% | 1,376 |
| Noninterest expense to average assets | 1.7609% | 4,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4267% | 298 |
| Return on assets (ROA) | 3.0224% | 169 |
| Pretax return on assets | 3.0224% | 230 |
| Return on Equity (ROE) | 22.3361% | 371 |
| Retained earnings to average equity (ytd only) | -24.1107% | 4,933 |
| Net charge-offs to loans | -0.0041% | 3,319 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0511% | 4,668 |
| Assets per employee ($millions) | 7.3619% | 1,549 |
| Cash dividends to net income (ytd only)* | 207.9450% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7479% | 945 |
| Loan loss allowance to noncurrent loans | 2,021.8750% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 4,033 |
| Noncurrent loans to loans | 0.0864% | 3,874 |
| Net loans and leases to total assets | 54.1393% | 3,225 |
| Net loans and leases to deposits | 64.8707% | 3,040 |
| Net loans and leases to core deposits | 67.3585% | 3,124 |
| Total domestic deposits to total assets | 83.4571% | 3,578 |
| Equity capital to assets | 11.8037% | 1,389 |
| Core capital (leverage) ratio | 12.3684% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $519,726,500 | 1,637 |
| Average earning assets | $481,864,000 | 1,642 |
| Average equity | $70,325,500 | 1,351 |
| Average total loans | $295,447,000 | 1,769 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5286% | 1,241 |
| Cost of funding earning assets | 0.4429% | 3,325 |
| Net interest margin | 4.0857% | 808 |
| Noninterest income to average assets | 0.8360% | 1,436 |
| Noninterest expense to average assets | 2.0421% | 4,056 |
| Loan and lease loss provision to assets | 0.0884% | 3,257 |
| Net operating income to assets | 2.4860% | 137 |
| Return on assets (ROA) | 3.3716% | 76 |
| Pretax return on assets | 3.3716% | 91 |
| Return on Equity (ROE) | 22.2380% | 155 |
| Retained earnings to average equity (ytd only) | 12.9824% | 244 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2348% | 4,783 |
| Assets per employee ($millions) | 6.5200% | 1,909 |
| Cash dividends to net income (ytd only)* | 41.6208% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7550% | 939 |
| Loan loss allowance to noncurrent loans | 8,082.8125% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 4,350 |
| Noncurrent loans to loans | 0.0217% | 4,246 |
| Net loans and leases to total assets | 57.6834% | 3,124 |
| Net loans and leases to deposits | 72.8354% | 2,606 |
| Net loans and leases to core deposits | 76.0563% | 2,722 |
| Total domestic deposits to total assets | 79.1970% | 4,182 |
| Equity capital to assets | 15.3805% | 506 |
| Core capital (leverage) ratio | 14.7826% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $452,373,400 | 1,692 |
| Average earning assets | $418,583,600 | 1,700 |
| Average equity | $68,585,200 | 1,311 |
| Average total loans | $283,535,600 | 1,751 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7413% | 979 |
| Cost of funding earning assets | 0.4748% | 3,394 |
| Net interest margin | 4.2665% | 632 |
| Noninterest income to average assets | 0.7834% | 1,564 |
| Noninterest expense to average assets | 2.0092% | 4,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.7229% | 113 |
| Return on assets (ROA) | 3.7312% | 62 |
| Pretax return on assets | 3.7312% | 78 |
| Return on Equity (ROE) | 24.7120% | 125 |
| Retained earnings to average equity (ytd only) | 11.9706% | 426 |
| Net charge-offs to loans | -0.0005% | 3,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4592% | 4,844 |
| Assets per employee ($millions) | 6.2885% | 2,010 |
| Cash dividends to net income (ytd only)* | 51.5595% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 1,093 |
| Loan loss allowance to noncurrent loans | 7,125.3731% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 4,425 |
| Noncurrent loans to loans | 0.0225% | 4,322 |
| Net loans and leases to total assets | 60.5088% | 3,163 |
| Net loans and leases to deposits | 77.6769% | 2,561 |
| Net loans and leases to core deposits | 81.3714% | 2,713 |
| Total domestic deposits to total assets | 77.8981% | 4,215 |
| Equity capital to assets | 15.2473% | 581 |
| Core capital (leverage) ratio | 14.6977% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $439,957,500 | 1,710 |
| Average earning assets | $407,194,000 | 1,716 |
| Average equity | $66,427,500 | 1,337 |
| Average total loans | $280,728,250 | 1,759 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0946% | 692 |
| Cost of funding earning assets | 0.5292% | 3,353 |
| Net interest margin | 4.5654% | 437 |
| Noninterest income to average assets | 0.7074% | 1,711 |
| Noninterest expense to average assets | 2.0296% | 4,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.8979% | 93 |
| Return on assets (ROA) | 3.5691% | 63 |
| Pretax return on assets | 3.5691% | 74 |
| Return on Equity (ROE) | 23.7273% | 129 |
| Retained earnings to average equity (ytd only) | 8.1332% | 1,261 |
| Net charge-offs to loans | -0.0007% | 3,737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1894% | 4,883 |
| Assets per employee ($millions) | 6.3714% | 1,883 |
| Cash dividends to net income (ytd only)* | 65.7222% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6377% | 925 |
| Loan loss allowance to noncurrent loans | 5,025.2632% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 4,457 |
| Noncurrent loans to loans | 0.0326% | 4,349 |
| Net loans and leases to total assets | 60.8142% | 3,236 |
| Net loans and leases to deposits | 77.3493% | 2,724 |
| Net loans and leases to core deposits | 83.2547% | 2,669 |
| Total domestic deposits to total assets | 78.6229% | 4,090 |
| Equity capital to assets | 14.5555% | 724 |
| Core capital (leverage) ratio | 14.2230% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $425,204,333 | 1,729 |
| Average earning assets | $393,041,000 | 1,743 |
| Average equity | $63,960,000 | 1,367 |
| Average total loans | $275,048,333 | 1,770 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 1,924 |
| Cost of funding earning assets | 0.6291% | 3,281 |
| Net interest margin | 3.9963% | 1,402 |
| Noninterest income to average assets | 0.7392% | 1,501 |
| Noninterest expense to average assets | 2.0912% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.3260% | 146 |
| Return on assets (ROA) | 3.6810% | 45 |
| Pretax return on assets | 3.6810% | 56 |
| Return on Equity (ROE) | 24.0156% | 80 |
| Retained earnings to average equity (ytd only) | 1.9472% | 3,464 |
| Net charge-offs to loans | -0.0030% | 3,721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3423% | 4,785 |
| Assets per employee ($millions) | 5.4970% | 2,121 |
| Cash dividends to net income (ytd only)* | 91.8919% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7704% | 756 |
| Loan loss allowance to noncurrent loans | 6,541.0959% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 4,542 |
| Noncurrent loans to loans | 0.0271% | 4,458 |
| Net loans and leases to total assets | 64.2608% | 3,040 |
| Net loans and leases to deposits | 81.5745% | 2,513 |
| Net loans and leases to core deposits | 88.8858% | 2,460 |
| Total domestic deposits to total assets | 78.7756% | 4,093 |
| Equity capital to assets | 14.8602% | 787 |
| Core capital (leverage) ratio | 15.2250% | 645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $402,064,000 | 1,762 |
| Average earning assets | $370,038,500 | 1,778 |
| Average equity | $61,626,500 | 1,392 |
| Average total loans | $266,820,500 | 1,773 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 2,035 |
| Cost of funding earning assets | 0.6158% | 3,575 |
| Net interest margin | 4.1869% | 1,346 |
| Noninterest income to average assets | 0.7105% | 1,778 |
| Noninterest expense to average assets | 2.3168% | 3,905 |
| Loan and lease loss provision to assets | 0.0264% | 3,485 |
| Net operating income to assets | 2.2040% | 221 |
| Return on assets (ROA) | 2.3115% | 196 |
| Pretax return on assets | 2.3115% | 303 |
| Return on Equity (ROE) | 15.0130% | 685 |
| Retained earnings to average equity (ytd only) | 6.9771% | 1,398 |
| Net charge-offs to loans | -0.1540% | 5,022 |
| Credit loss provision to net charge-offs | -25.5754% | 4,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9500% | 4,675 |
| Assets per employee ($millions) | 5.3678% | 2,177 |
| Cash dividends to net income (ytd only)* | 53.5261% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8084% | 645 |
| Loan loss allowance to noncurrent loans | 1,333.2402% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 4,175 |
| Noncurrent loans to loans | 0.1356% | 3,982 |
| Net loans and leases to total assets | 66.1375% | 2,929 |
| Net loans and leases to deposits | 81.5282% | 2,612 |
| Net loans and leases to core deposits | 88.9310% | 2,521 |
| Total domestic deposits to total assets | 81.1222% | 3,742 |
| Equity capital to assets | 15.8192% | 633 |
| Core capital (leverage) ratio | 15.1744% | 654 |
| Tier 1 risk-based capital ratio | 19.4372% | 1,428 |
| Total risk-based capital ratio | 20.6907% | 1,388 |
| Memoranda: | ||
| Average total assets | $378,490,800 | 1,809 |
| Average earning assets | $346,845,000 | 1,828 |
| Average equity | $58,276,200 | 1,393 |
| Average total loans | $253,970,000 | 1,802 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 2,216 |
| Cost of funding earning assets | 0.6269% | 3,546 |
| Net interest margin | 4.1432% | 1,517 |
| Noninterest income to average assets | 0.6994% | 1,787 |
| Noninterest expense to average assets | 2.2486% | 4,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.2444% | 252 |
| Return on assets (ROA) | 2.2899% | 238 |
| Pretax return on assets | 2.2899% | 378 |
| Return on Equity (ROE) | 14.9794% | 780 |
| Retained earnings to average equity (ytd only) | 4.4173% | 3,184 |
| Net charge-offs to loans | -0.2094% | 5,117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0475% | 4,739 |
| Assets per employee ($millions) | 5.5187% | 2,015 |
| Cash dividends to net income (ytd only)* | 70.5106% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7197% | 786 |
| Loan loss allowance to noncurrent loans | 1,110.9264% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 4,175 |
| Noncurrent loans to loans | 0.1548% | 3,985 |
| Net loans and leases to total assets | 68.2151% | 2,760 |
| Net loans and leases to deposits | 83.4524% | 2,512 |
| Net loans and leases to core deposits | 91.7773% | 2,392 |
| Total domestic deposits to total assets | 81.7413% | 3,551 |
| Equity capital to assets | 15.5485% | 720 |
| Core capital (leverage) ratio | 15.1239% | 717 |
| Tier 1 risk-based capital ratio | 18.6711% | 1,647 |
| Total risk-based capital ratio | 19.9242% | 1,613 |
| Memoranda: | ||
| Average total assets | $375,150,500 | 1,839 |
| Average earning assets | $343,496,250 | 1,852 |
| Average equity | $57,348,250 | 1,415 |
| Average total loans | $251,479,000 | 1,833 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 2,202 |
| Cost of funding earning assets | 0.5655% | 3,810 |
| Net interest margin | 4.1918% | 1,389 |
| Noninterest income to average assets | 0.6770% | 1,803 |
| Noninterest expense to average assets | 2.2544% | 4,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2490% | 233 |
| Return on assets (ROA) | 2.2235% | 261 |
| Pretax return on assets | 2.2235% | 424 |
| Return on Equity (ROE) | 14.6341% | 846 |
| Retained earnings to average equity (ytd only) | 1.0578% | 4,421 |
| Net charge-offs to loans | -0.1390% | 5,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0601% | 4,780 |
| Assets per employee ($millions) | 5.3285% | 2,120 |
| Cash dividends to net income (ytd only)* | 92.7720% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7530% | 745 |
| Loan loss allowance to noncurrent loans | 3,202.8777% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 4,578 |
| Noncurrent loans to loans | 0.0547% | 4,439 |
| Net loans and leases to total assets | 66.8950% | 2,987 |
| Net loans and leases to deposits | 82.3176% | 2,695 |
| Net loans and leases to core deposits | 90.1587% | 2,584 |
| Total domestic deposits to total assets | 81.2645% | 3,733 |
| Equity capital to assets | 15.6894% | 672 |
| Core capital (leverage) ratio | 15.1958% | 670 |
| Tier 1 risk-based capital ratio | 19.1595% | 1,520 |
| Total risk-based capital ratio | 20.4128% | 1,480 |
| Memoranda: | ||
| Average total assets | $369,592,330 | 1,872 |
| Average earning assets | $337,371,670 | 1,878 |
| Average equity | $56,156,670 | 1,430 |
| Average total loans | $244,651,670 | 1,873 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6855% | 2,274 |
| Cost of funding earning assets | 0.5408% | 3,867 |
| Net interest margin | 4.1448% | 1,438 |
| Noninterest income to average assets | 0.6632% | 1,760 |
| Noninterest expense to average assets | 2.2637% | 4,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1746% | 284 |
| Return on assets (ROA) | 2.1322% | 317 |
| Pretax return on assets | 2.1322% | 500 |
| Return on Equity (ROE) | 14.2684% | 907 |
| Retained earnings to average equity (ytd only) | -4.3584% | 4,893 |
| Net charge-offs to loans | 0.0067% | 2,457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 500.0000% | 154 |
| Efficiency ratio | 51.0044% | 4,762 |
| Assets per employee ($millions) | 5.2177% | 2,259 |
| Cash dividends to net income (ytd only)* | 130.5456% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7632% | 755 |
| Loan loss allowance to noncurrent loans | 5,154.2169% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 4,743 |
| Noncurrent loans to loans | 0.0342% | 4,616 |
| Net loans and leases to total assets | 64.3392% | 3,244 |
| Net loans and leases to deposits | 77.9090% | 3,070 |
| Net loans and leases to core deposits | 85.0265% | 2,952 |
| Total domestic deposits to total assets | 82.5825% | 3,548 |
| Equity capital to assets | 15.0707% | 742 |
| Core capital (leverage) ratio | 15.0214% | 691 |
| Tier 1 risk-based capital ratio | 19.2792% | 1,487 |
| Total risk-based capital ratio | 20.5322% | 1,453 |
| Memoranda: | ||
| Average total assets | $367,889,500 | 1,884 |
| Average earning assets | $335,073,000 | 1,901 |
| Average equity | $54,974,500 | 1,450 |
| Average total loans | $239,993,000 | 1,915 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 2,213 |
| Cost of funding earning assets | 0.4405% | 3,735 |
| Net interest margin | 4.1347% | 1,574 |
| Noninterest income to average assets | 0.6977% | 1,863 |
| Noninterest expense to average assets | 2.3056% | 4,106 |
| Loan and lease loss provision to assets | 0.0282% | 3,611 |
| Net operating income to assets | 2.0241% | 343 |
| Return on assets (ROA) | 1.9810% | 374 |
| Pretax return on assets | 2.0928% | 447 |
| Return on Equity (ROE) | 13.6920% | 1,132 |
| Retained earnings to average equity (ytd only) | 6.7098% | 1,813 |
| Net charge-offs to loans | 0.0004% | 3,772 |
| Credit loss provision to net charge-offs | 10,000.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 7,694.0000% | 6 |
| Efficiency ratio | 51.5583% | 4,833 |
| Assets per employee ($millions) | 5.0045% | 2,498 |
| Cash dividends to net income (ytd only)* | 50.9949% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8040% | 676 |
| Loan loss allowance to noncurrent loans | 1,436.9128% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 4,411 |
| Noncurrent loans to loans | 0.1255% | 4,167 |
| Net loans and leases to total assets | 63.8005% | 3,381 |
| Net loans and leases to deposits | 77.5111% | 3,226 |
| Net loans and leases to core deposits | 85.5176% | 2,950 |
| Total domestic deposits to total assets | 82.3114% | 3,551 |
| Equity capital to assets | 14.8139% | 757 |
| Core capital (leverage) ratio | 15.1773% | 655 |
| Tier 1 risk-based capital ratio | 19.6913% | 1,356 |
| Total risk-based capital ratio | 20.9445% | 1,326 |
| Memoranda: | ||
| Average total assets | $355,174,200 | 1,900 |
| Average earning assets | $324,204,600 | 1,910 |
| Average equity | $51,387,600 | 1,477 |
| Average total loans | $228,734,400 | 1,956 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 2,225 |
| Cost of funding earning assets | 0.4364% | 3,618 |
| Net interest margin | 4.0850% | 1,671 |
| Noninterest income to average assets | 0.7127% | 1,823 |
| Noninterest expense to average assets | 2.2863% | 4,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0024% | 374 |
| Return on assets (ROA) | 1.9427% | 441 |
| Pretax return on assets | 2.0928% | 492 |
| Return on Equity (ROE) | 13.5106% | 1,261 |
| Retained earnings to average equity (ytd only) | 4.2309% | 3,658 |
| Net charge-offs to loans | -0.0018% | 4,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4551% | 4,856 |
| Assets per employee ($millions) | 5.1532% | 2,272 |
| Cash dividends to net income (ytd only)* | 68.6843% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 785 |
| Loan loss allowance to noncurrent loans | 1,333.1210% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 4,531 |
| Noncurrent loans to loans | 0.1318% | 4,287 |
| Net loans and leases to total assets | 65.8080% | 3,201 |
| Net loans and leases to deposits | 78.8474% | 3,162 |
| Net loans and leases to core deposits | 85.4108% | 3,054 |
| Total domestic deposits to total assets | 83.4626% | 3,136 |
| Equity capital to assets | 14.2141% | 898 |
| Core capital (leverage) ratio | 15.1636% | 664 |
| Tier 1 risk-based capital ratio | 19.2467% | 1,484 |
| Total risk-based capital ratio | 20.4996% | 1,451 |
| Memoranda: | ||
| Average total assets | $352,636,500 | 1,919 |
| Average earning assets | $322,050,500 | 1,931 |
| Average equity | $50,704,750 | 1,498 |
| Average total loans | $226,577,750 | 1,983 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4477% | 2,268 |
| Cost of funding earning assets | 0.4342% | 3,469 |
| Net interest margin | 4.0134% | 1,815 |
| Noninterest income to average assets | 0.6990% | 1,875 |
| Noninterest expense to average assets | 2.3125% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8154% | 560 |
| Return on assets (ROA) | 1.7420% | 668 |
| Pretax return on assets | 1.9678% | 649 |
| Return on Equity (ROE) | 12.0687% | 1,699 |
| Retained earnings to average equity (ytd only) | 0.6265% | 4,837 |
| Net charge-offs to loans | -0.0018% | 3,935 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0048% | 4,784 |
| Assets per employee ($millions) | 5.0524% | 2,347 |
| Cash dividends to net income (ytd only)* | 94.8090% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8168% | 730 |
| Loan loss allowance to noncurrent loans | 3,402.4390% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 4,852 |
| Noncurrent loans to loans | 0.0534% | 4,673 |
| Net loans and leases to total assets | 63.9505% | 3,406 |
| Net loans and leases to deposits | 76.0753% | 3,318 |
| Net loans and leases to core deposits | 82.3371% | 3,214 |
| Total domestic deposits to total assets | 84.0621% | 3,043 |
| Equity capital to assets | 14.1518% | 892 |
| Core capital (leverage) ratio | 14.6747% | 739 |
| Tier 1 risk-based capital ratio | 18.9040% | 1,572 |
| Total risk-based capital ratio | 20.1571% | 1,534 |
| Memoranda: | ||
| Average total assets | $351,659,000 | 1,933 |
| Average earning assets | $321,023,000 | 1,938 |
| Average equity | $50,759,330 | 1,496 |
| Average total loans | $222,710,670 | 2,011 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3752% | 2,279 |
| Cost of funding earning assets | 0.4594% | 3,137 |
| Net interest margin | 3.9158% | 1,978 |
| Noninterest income to average assets | 0.7004% | 1,830 |
| Noninterest expense to average assets | 2.3898% | 3,973 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6702% | 735 |
| Return on assets (ROA) | 1.6347% | 789 |
| Pretax return on assets | 1.8388% | 842 |
| Return on Equity (ROE) | 11.2141% | 1,879 |
| Retained earnings to average equity (ytd only) | -4.3824% | 5,167 |
| Net charge-offs to loans | -0.0018% | 3,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9861% | 4,582 |
| Assets per employee ($millions) | 5.0028% | 2,492 |
| Cash dividends to net income (ytd only)* | 139.0789% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9488% | 604 |
| Loan loss allowance to noncurrent loans | 2,156.7010% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 4,822 |
| Noncurrent loans to loans | 0.0904% | 4,572 |
| Net loans and leases to total assets | 59.2665% | 3,826 |
| Net loans and leases to deposits | 70.0934% | 3,780 |
| Net loans and leases to core deposits | 76.1586% | 3,657 |
| Total domestic deposits to total assets | 84.5536% | 3,097 |
| Equity capital to assets | 14.1353% | 855 |
| Core capital (leverage) ratio | 14.8339% | 678 |
| Tier 1 risk-based capital ratio | 18.5071% | 1,690 |
| Total risk-based capital ratio | 19.7599% | 1,651 |
| Memoranda: | ||
| Average total assets | $350,655,500 | 1,951 |
| Average earning assets | $319,528,000 | 1,961 |
| Average equity | $51,114,000 | 1,503 |
| Average total loans | $218,888,000 | 2,050 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5237% | 1,639 |
| Cost of funding earning assets | 0.3611% | 3,604 |
| Net interest margin | 4.1626% | 1,271 |
| Noninterest income to average assets | 0.7345% | 1,823 |
| Noninterest expense to average assets | 2.3362% | 4,239 |
| Loan and lease loss provision to assets | -0.4457% | 5,644 |
| Net operating income to assets | 1.7258% | 500 |
| Return on assets (ROA) | 1.7773% | 460 |
| Pretax return on assets | 2.6927% | 137 |
| Return on Equity (ROE) | 12.0433% | 1,202 |
| Retained earnings to average equity (ytd only) | 8.5544% | 601 |
| Net charge-offs to loans | 0.1364% | 1,702 |
| Credit loss provision to net charge-offs | -510.2041% | 4,952 |
| Earnings coverage of net charge-offs (x) | 24.8299% | 1,741 |
| Efficiency ratio | 51.8565% | 5,110 |
| Assets per employee ($millions) | 5.1659% | 2,296 |
| Cash dividends to net income (ytd only)* | 28.9702% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8751% | 681 |
| Loan loss allowance to noncurrent loans | 3,098.5185% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 4,942 |
| Noncurrent loans to loans | 0.0605% | 4,721 |
| Net loans and leases to total assets | 63.2439% | 3,459 |
| Net loans and leases to deposits | 75.9151% | 3,334 |
| Net loans and leases to core deposits | 84.0860% | 3,048 |
| Total domestic deposits to total assets | 83.3087% | 3,463 |
| Equity capital to assets | 15.0297% | 670 |
| Core capital (leverage) ratio | 15.0579% | 608 |
| Tier 1 risk-based capital ratio | 19.5638% | 1,403 |
| Total risk-based capital ratio | 20.8176% | 1,374 |
| Memoranda: | ||
| Average total assets | $336,572,000 | 1,973 |
| Average earning assets | $304,881,200 | 2,016 |
| Average equity | $49,670,600 | 1,525 |
| Average total loans | $215,560,800 | 2,029 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 1,511 |
| Cost of funding earning assets | 0.3616% | 3,542 |
| Net interest margin | 4.1860% | 1,183 |
| Noninterest income to average assets | 0.7245% | 1,883 |
| Noninterest expense to average assets | 2.2945% | 4,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5601% | 784 |
| Return on assets (ROA) | 1.5771% | 773 |
| Pretax return on assets | 2.2374% | 329 |
| Return on Equity (ROE) | 10.7379% | 1,807 |
| Retained earnings to average equity (ytd only) | 6.0304% | 2,212 |
| Net charge-offs to loans | 0.1435% | 1,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 24.1173% | 1,783 |
| Efficiency ratio | 50.9028% | 5,186 |
| Assets per employee ($millions) | 5.0156% | 2,428 |
| Cash dividends to net income (ytd only)* | 43.8402% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6607% | 222 |
| Loan loss allowance to noncurrent loans | 2,082.2464% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 4,371 |
| Noncurrent loans to loans | 0.1278% | 4,547 |
| Net loans and leases to total assets | 61.6448% | 3,696 |
| Net loans and leases to deposits | 73.8044% | 3,594 |
| Net loans and leases to core deposits | 81.2328% | 3,356 |
| Total domestic deposits to total assets | 83.5246% | 3,280 |
| Equity capital to assets | 14.9769% | 734 |
| Core capital (leverage) ratio | 14.8756% | 685 |
| Tier 1 risk-based capital ratio | 19.3494% | 1,510 |
| Total risk-based capital ratio | 20.6108% | 1,464 |
| Memoranda: | ||
| Average total assets | $334,186,500 | 1,994 |
| Average earning assets | $302,015,500 | 2,051 |
| Average equity | $49,083,250 | 1,552 |
| Average total loans | $213,681,250 | 2,059 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5827% | 1,289 |
| Cost of funding earning assets | 0.3586% | 3,497 |
| Net interest margin | 4.2241% | 1,027 |
| Noninterest income to average assets | 0.6924% | 2,020 |
| Noninterest expense to average assets | 2.2808% | 4,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5581% | 774 |
| Return on assets (ROA) | 1.5674% | 777 |
| Pretax return on assets | 2.2362% | 333 |
| Return on Equity (ROE) | 10.7440% | 1,740 |
| Retained earnings to average equity (ytd only) | 3.6392% | 3,542 |
| Net charge-offs to loans | 0.2377% | 858 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 14.5810% | 2,062 |
| Efficiency ratio | 50.6422% | 5,266 |
| Assets per employee ($millions) | 4.8866% | 2,531 |
| Cash dividends to net income (ytd only)* | 66.1284% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6651% | 232 |
| Loan loss allowance to noncurrent loans | 2,201.5385% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 4,450 |
| Noncurrent loans to loans | 0.1211% | 4,634 |
| Net loans and leases to total assets | 62.0015% | 3,631 |
| Net loans and leases to deposits | 73.7793% | 3,568 |
| Net loans and leases to core deposits | 81.0902% | 3,340 |
| Total domestic deposits to total assets | 84.0364% | 3,184 |
| Equity capital to assets | 14.7520% | 754 |
| Core capital (leverage) ratio | 14.5833% | 724 |
| Tier 1 risk-based capital ratio | 19.0428% | 1,590 |
| Total risk-based capital ratio | 20.3042% | 1,532 |
| Memoranda: | ||
| Average total assets | $331,895,670 | 2,015 |
| Average earning assets | $299,474,330 | 2,061 |
| Average equity | $48,417,670 | 1,576 |
| Average total loans | $212,911,000 | 2,065 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 1,057 |
| Cost of funding earning assets | 0.3511% | 3,519 |
| Net interest margin | 4.2835% | 822 |
| Noninterest income to average assets | 0.6451% | 2,203 |
| Noninterest expense to average assets | 2.3143% | 4,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5505% | 748 |
| Return on assets (ROA) | 1.5514% | 769 |
| Pretax return on assets | 2.2001% | 357 |
| Return on Equity (ROE) | 10.6959% | 1,674 |
| Retained earnings to average equity (ytd only) | -3.7105% | 5,310 |
| Net charge-offs to loans | -0.0170% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2786% | 5,306 |
| Assets per employee ($millions) | 4.9934% | 2,457 |
| Cash dividends to net income (ytd only)* | 134.6907% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8294% | 217 |
| Loan loss allowance to noncurrent loans | 884.1950% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 4,431 |
| Noncurrent loans to loans | 0.3200% | 3,975 |
| Net loans and leases to total assets | 61.4471% | 3,607 |
| Net loans and leases to deposits | 72.8879% | 3,524 |
| Net loans and leases to core deposits | 80.2037% | 3,280 |
| Total domestic deposits to total assets | 84.3036% | 3,360 |
| Equity capital to assets | 14.2811% | 825 |
| Core capital (leverage) ratio | 14.4611% | 722 |
| Tier 1 risk-based capital ratio | 18.8875% | 1,640 |
| Total risk-based capital ratio | 20.1510% | 1,596 |
| Memoranda: | ||
| Average total assets | $329,256,500 | 2,047 |
| Average earning assets | $297,323,500 | 2,086 |
| Average equity | $47,756,500 | 1,594 |
| Average total loans | $211,978,000 | 2,082 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 1,937 |
| Cost of funding earning assets | 0.3596% | 3,418 |
| Net interest margin | 4.0037% | 1,622 |
| Noninterest income to average assets | 0.8186% | 1,686 |
| Noninterest expense to average assets | 2.2347% | 4,691 |
| Loan and lease loss provision to assets | 0.0316% | 3,724 |
| Net operating income to assets | 1.5214% | 796 |
| Return on assets (ROA) | 1.5921% | 719 |
| Pretax return on assets | 2.2919% | 278 |
| Return on Equity (ROE) | 10.6875% | 1,697 |
| Retained earnings to average equity (ytd only) | 8.2548% | 770 |
| Net charge-offs to loans | -0.0071% | 4,870 |
| Credit loss provision to net charge-offs | -714.2857% | 5,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1524% | 5,479 |
| Assets per employee ($millions) | 5.0618% | 2,325 |
| Cash dividends to net income (ytd only)* | 22.7625% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8141% | 217 |
| Loan loss allowance to noncurrent loans | 1,073.0700% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 4,635 |
| Noncurrent loans to loans | 0.2623% | 4,211 |
| Net loans and leases to total assets | 63.7178% | 3,395 |
| Net loans and leases to deposits | 76.8124% | 3,225 |
| Net loans and leases to core deposits | 83.1366% | 3,115 |
| Total domestic deposits to total assets | 82.9524% | 3,785 |
| Equity capital to assets | 14.7349% | 683 |
| Core capital (leverage) ratio | 14.9413% | 608 |
| Tier 1 risk-based capital ratio | 19.1664% | 1,552 |
| Total risk-based capital ratio | 20.4299% | 1,512 |
| Memoranda: | ||
| Average total assets | $316,505,600 | 2,081 |
| Average earning assets | $287,531,400 | 2,114 |
| Average equity | $47,148,600 | 1,603 |
| Average total loans | $195,830,400 | 2,148 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3479% | 2,003 |
| Cost of funding earning assets | 0.3725% | 3,307 |
| Net interest margin | 3.9754% | 1,724 |
| Noninterest income to average assets | 0.8195% | 1,689 |
| Noninterest expense to average assets | 2.1696% | 4,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6054% | 721 |
| Return on assets (ROA) | 1.7450% | 579 |
| Pretax return on assets | 2.4594% | 234 |
| Return on Equity (ROE) | 11.6814% | 1,419 |
| Retained earnings to average equity (ytd only) | 8.4277% | 1,005 |
| Net charge-offs to loans | -0.0070% | 4,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9484% | 5,557 |
| Assets per employee ($millions) | 4.9519% | 2,414 |
| Cash dividends to net income (ytd only)* | 27.8534% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8424% | 230 |
| Loan loss allowance to noncurrent loans | 578.0512% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 4,125 |
| Noncurrent loans to loans | 0.4917% | 3,529 |
| Net loans and leases to total assets | 63.3419% | 3,484 |
| Net loans and leases to deposits | 76.6445% | 3,333 |
| Net loans and leases to core deposits | 82.4449% | 3,248 |
| Total domestic deposits to total assets | 82.6437% | 3,727 |
| Equity capital to assets | 15.5817% | 618 |
| Core capital (leverage) ratio | 15.0604% | 618 |
| Tier 1 risk-based capital ratio | 19.4099% | 1,572 |
| Total risk-based capital ratio | 20.6736% | 1,527 |
| Memoranda: | ||
| Average total assets | $314,644,000 | 2,096 |
| Average earning assets | $285,953,250 | 2,129 |
| Average equity | $47,002,250 | 1,615 |
| Average total loans | $191,690,000 | 2,191 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3983% | 1,833 |
| Cost of funding earning assets | 0.3855% | 3,199 |
| Net interest margin | 4.0128% | 1,605 |
| Noninterest income to average assets | 0.8003% | 1,713 |
| Noninterest expense to average assets | 2.1823% | 4,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6190% | 688 |
| Return on assets (ROA) | 1.8293% | 475 |
| Pretax return on assets | 2.5621% | 202 |
| Return on Equity (ROE) | 12.4262% | 1,178 |
| Retained earnings to average equity (ytd only) | 7.4617% | 1,407 |
| Net charge-offs to loans | -0.0054% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0617% | 5,618 |
| Assets per employee ($millions) | 5.1077% | 2,189 |
| Cash dividends to net income (ytd only)* | 39.9512% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1055% | 172 |
| Loan loss allowance to noncurrent loans | 997.9592% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 4,735 |
| Noncurrent loans to loans | 0.3112% | 4,249 |
| Net loans and leases to total assets | 58.7626% | 4,044 |
| Net loans and leases to deposits | 71.1477% | 3,869 |
| Net loans and leases to core deposits | 76.5918% | 3,774 |
| Total domestic deposits to total assets | 82.5925% | 3,799 |
| Equity capital to assets | 15.6499% | 596 |
| Core capital (leverage) ratio | 14.7786% | 648 |
| Tier 1 risk-based capital ratio | 20.0098% | 1,462 |
| Total risk-based capital ratio | 21.2755% | 1,418 |
| Memoranda: | ||
| Average total assets | $313,884,330 | 2,104 |
| Average earning assets | $285,336,000 | 2,142 |
| Average equity | $46,209,000 | 1,639 |
| Average total loans | $186,714,000 | 2,246 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3865% | 1,844 |
| Cost of funding earning assets | 0.4118% | 2,935 |
| Net interest margin | 3.9747% | 1,694 |
| Noninterest income to average assets | 0.7110% | 1,986 |
| Noninterest expense to average assets | 2.1648% | 4,990 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4954% | 862 |
| Return on assets (ROA) | 1.6430% | 685 |
| Pretax return on assets | 2.3603% | 296 |
| Return on Equity (ROE) | 11.5192% | 1,458 |
| Retained earnings to average equity (ytd only) | 1.3086% | 4,737 |
| Net charge-offs to loans | -0.0108% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1766% | 5,616 |
| Assets per employee ($millions) | 5.1949% | 2,146 |
| Cash dividends to net income (ytd only)* | 88.6399% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1824% | 185 |
| Loan loss allowance to noncurrent loans | 744.6701% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 4,561 |
| Noncurrent loans to loans | 0.4274% | 3,913 |
| Net loans and leases to total assets | 56.3350% | 4,215 |
| Net loans and leases to deposits | 68.8970% | 3,967 |
| Net loans and leases to core deposits | 74.6670% | 3,822 |
| Total domestic deposits to total assets | 81.7671% | 4,295 |
| Equity capital to assets | 14.2170% | 910 |
| Core capital (leverage) ratio | 14.1535% | 777 |
| Tier 1 risk-based capital ratio | 19.4011% | 1,630 |
| Total risk-based capital ratio | 20.6668% | 1,598 |
| Memoranda: | ||
| Average total assets | $315,043,000 | 2,110 |
| Average earning assets | $285,603,000 | 2,147 |
| Average equity | $44,933,500 | 1,679 |
| Average total loans | $185,594,500 | 2,258 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 1,842 |
| Cost of funding earning assets | 0.3933% | 3,226 |
| Net interest margin | 4.0252% | 1,632 |
| Noninterest income to average assets | 0.7391% | 2,031 |
| Noninterest expense to average assets | 2.1381% | 5,175 |
| Loan and lease loss provision to assets | 0.0065% | 4,266 |
| Net operating income to assets | 1.6404% | 645 |
| Return on assets (ROA) | 1.5494% | 808 |
| Pretax return on assets | 2.1303% | 400 |
| Return on Equity (ROE) | 11.2933% | 1,509 |
| Retained earnings to average equity (ytd only) | 9.9042% | 473 |
| Net charge-offs to loans | -0.2277% | 5,971 |
| Credit loss provision to net charge-offs | -4.8900% | 4,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5981% | 5,818 |
| Assets per employee ($millions) | 5.0516% | 2,302 |
| Cash dividends to net income (ytd only)* | 12.2999% | 4,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1386% | 194 |
| Loan loss allowance to noncurrent loans | 1,719.3548% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 5,161 |
| Noncurrent loans to loans | 0.1825% | 4,760 |
| Net loans and leases to total assets | 57.7714% | 4,115 |
| Net loans and leases to deposits | 71.9909% | 3,718 |
| Net loans and leases to core deposits | 77.3971% | 3,616 |
| Total domestic deposits to total assets | 80.2483% | 4,688 |
| Equity capital to assets | 14.3088% | 829 |
| Core capital (leverage) ratio | 14.2780% | 764 |
| Tier 1 risk-based capital ratio | 19.2039% | 1,654 |
| Total risk-based capital ratio | 20.4693% | 1,609 |
| Memoranda: | ||
| Average total assets | $306,441,400 | 2,114 |
| Average earning assets | $278,669,200 | 2,146 |
| Average equity | $42,042,800 | 1,729 |
| Average total loans | $179,658,800 | 2,246 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3366% | 2,119 |
| Cost of funding earning assets | 0.3967% | 3,254 |
| Net interest margin | 3.9399% | 1,899 |
| Noninterest income to average assets | 0.7411% | 2,061 |
| Noninterest expense to average assets | 2.0707% | 5,341 |
| Loan and lease loss provision to assets | 0.0088% | 4,090 |
| Net operating income to assets | 1.6366% | 709 |
| Return on assets (ROA) | 1.6813% | 675 |
| Pretax return on assets | 2.3078% | 331 |
| Return on Equity (ROE) | 12.3915% | 1,269 |
| Retained earnings to average equity (ytd only) | 10.5085% | 550 |
| Net charge-offs to loans | -0.3328% | 6,104 |
| Credit loss provision to net charge-offs | -4.5045% | 4,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8661% | 5,873 |
| Assets per employee ($millions) | 5.2401% | 2,018 |
| Cash dividends to net income (ytd only)* | 15.1965% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3028% | 179 |
| Loan loss allowance to noncurrent loans | 3,104.2105% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 5,526 |
| Noncurrent loans to loans | 0.1064% | 5,212 |
| Net loans and leases to total assets | 55.8535% | 4,371 |
| Net loans and leases to deposits | 69.0756% | 4,085 |
| Net loans and leases to core deposits | 74.0773% | 4,010 |
| Total domestic deposits to total assets | 80.8585% | 4,511 |
| Equity capital to assets | 13.8450% | 1,088 |
| Core capital (leverage) ratio | 13.9641% | 875 |
| Tier 1 risk-based capital ratio | 19.2069% | 1,724 |
| Total risk-based capital ratio | 20.4732% | 1,688 |
| Memoranda: | ||
| Average total assets | $304,752,250 | 2,133 |
| Average earning assets | $277,290,750 | 2,167 |
| Average equity | $41,349,750 | 1,763 |
| Average total loans | $177,873,000 | 2,269 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 2,136 |
| Cost of funding earning assets | 0.4062% | 3,208 |
| Net interest margin | 3.9047% | 1,961 |
| Noninterest income to average assets | 0.7300% | 2,092 |
| Noninterest expense to average assets | 2.0364% | 5,463 |
| Loan and lease loss provision to assets | 0.0132% | 3,857 |
| Net operating income to assets | 1.6043% | 738 |
| Return on assets (ROA) | 1.6598% | 700 |
| Pretax return on assets | 2.3140% | 331 |
| Return on Equity (ROE) | 12.3186% | 1,278 |
| Retained earnings to average equity (ytd only) | 9.4604% | 791 |
| Net charge-offs to loans | -0.4808% | 6,198 |
| Credit loss provision to net charge-offs | -4.6838% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5077% | 5,984 |
| Assets per employee ($millions) | 5.4562% | 1,779 |
| Cash dividends to net income (ytd only)* | 23.2022% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2645% | 203 |
| Loan loss allowance to noncurrent loans | 892.4127% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 5,017 |
| Noncurrent loans to loans | 0.3658% | 4,399 |
| Net loans and leases to total assets | 56.0342% | 4,331 |
| Net loans and leases to deposits | 70.1508% | 3,916 |
| Net loans and leases to core deposits | 75.9742% | 3,771 |
| Total domestic deposits to total assets | 79.8767% | 4,898 |
| Equity capital to assets | 13.0687% | 1,370 |
| Core capital (leverage) ratio | 13.5987% | 957 |
| Tier 1 risk-based capital ratio | 19.2345% | 1,737 |
| Total risk-based capital ratio | 20.5015% | 1,699 |
| Memoranda: | ||
| Average total assets | $303,281,000 | 2,163 |
| Average earning assets | $276,233,330 | 2,190 |
| Average equity | $40,865,000 | 1,789 |
| Average total loans | $177,638,000 | 2,280 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4019% | 1,761 |
| Cost of funding earning assets | 0.4176% | 3,108 |
| Net interest margin | 3.9843% | 1,612 |
| Noninterest income to average assets | 0.6880% | 2,215 |
| Noninterest expense to average assets | 2.0907% | 5,410 |
| Loan and lease loss provision to assets | 0.0267% | 3,351 |
| Net operating income to assets | 1.6502% | 657 |
| Return on assets (ROA) | 1.7674% | 540 |
| Pretax return on assets | 2.3592% | 294 |
| Return on Equity (ROE) | 12.9150% | 1,117 |
| Retained earnings to average equity (ytd only) | 7.2141% | 1,913 |
| Net charge-offs to loans | -0.9661% | 6,317 |
| Credit loss provision to net charge-offs | -4.6948% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3921% | 6,003 |
| Assets per employee ($millions) | 5.3693% | 1,927 |
| Cash dividends to net income (ytd only)* | 44.1421% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2808% | 220 |
| Loan loss allowance to noncurrent loans | 1,633.3333% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 5,244 |
| Noncurrent loans to loans | 0.2009% | 5,057 |
| Net loans and leases to total assets | 56.6396% | 4,131 |
| Net loans and leases to deposits | 69.2253% | 3,837 |
| Net loans and leases to core deposits | 74.9205% | 3,693 |
| Total domestic deposits to total assets | 81.8193% | 4,562 |
| Equity capital to assets | 13.4900% | 1,175 |
| Core capital (leverage) ratio | 13.4305% | 997 |
| Tier 1 risk-based capital ratio | 19.0204% | 1,861 |
| Total risk-based capital ratio | 20.2884% | 1,815 |
| Memoranda: | ||
| Average total assets | $299,420,000 | 2,201 |
| Average earning assets | $272,970,500 | 2,227 |
| Average equity | $40,975,500 | 1,793 |
| Average total loans | $176,382,500 | 2,301 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 2,935 |
| Cost of funding earning assets | 0.5889% | 1,867 |
| Net interest margin | 3.6176% | 3,343 |
| Noninterest income to average assets | 0.5987% | 2,862 |
| Noninterest expense to average assets | 2.0382% | 5,701 |
| Loan and lease loss provision to assets | 0.0788% | 2,909 |
| Net operating income to assets | 1.5207% | 840 |
| Return on assets (ROA) | 1.4559% | 1,001 |
| Pretax return on assets | 1.7203% | 945 |
| Return on Equity (ROE) | 11.9027% | 1,442 |
| Retained earnings to average equity (ytd only) | 10.7911% | 402 |
| Net charge-offs to loans | 0.0275% | 4,267 |
| Credit loss provision to net charge-offs | 571.4286% | 468 |
| Earnings coverage of net charge-offs (x) | 135.9524% | 395 |
| Efficiency ratio | 52.0812% | 5,978 |
| Assets per employee ($millions) | 5.1367% | 2,141 |
| Cash dividends to net income (ytd only)* | 9.3390% | 4,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1313% | 257 |
| Loan loss allowance to noncurrent loans | 1,543.7500% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 5,550 |
| Noncurrent loans to loans | 0.2028% | 5,090 |
| Net loans and leases to total assets | 57.4150% | 4,133 |
| Net loans and leases to deposits | 68.7109% | 4,059 |
| Net loans and leases to core deposits | 74.5042% | 3,874 |
| Total domestic deposits to total assets | 83.5603% | 3,898 |
| Equity capital to assets | 13.8887% | 998 |
| Core capital (leverage) ratio | 13.4196% | 996 |
| Tier 1 risk-based capital ratio | 19.2798% | 1,777 |
| Total risk-based capital ratio | 20.5461% | 1,741 |
| Memoranda: | ||
| Average total assets | $304,477,000 | 2,135 |
| Average earning assets | $278,999,600 | 2,140 |
| Average equity | $37,243,800 | 1,890 |
| Average total loans | $152,722,000 | 2,536 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1772% | 3,071 |
| Cost of funding earning assets | 0.6027% | 1,801 |
| Net interest margin | 3.5745% | 3,533 |
| Noninterest income to average assets | 0.5834% | 2,972 |
| Noninterest expense to average assets | 1.9176% | 5,920 |
| Loan and lease loss provision to assets | 0.0781% | 2,781 |
| Net operating income to assets | 1.5884% | 773 |
| Return on assets (ROA) | 1.4587% | 1,049 |
| Pretax return on assets | 1.7124% | 1,037 |
| Return on Equity (ROE) | 12.3223% | 1,392 |
| Retained earnings to average equity (ytd only) | 10.8053% | 549 |
| Net charge-offs to loans | 0.0479% | 3,538 |
| Credit loss provision to net charge-offs | 339.6226% | 825 |
| Earnings coverage of net charge-offs (x) | 84.5341% | 670 |
| Efficiency ratio | 49.6686% | 6,112 |
| Assets per employee ($millions) | 5.3916% | 1,823 |
| Cash dividends to net income (ytd only)* | 12.3105% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3511% | 258 |
| Loan loss allowance to noncurrent loans | 2,301.7167% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 5,847 |
| Noncurrent loans to loans | 0.1456% | 5,480 |
| Net loans and leases to total assets | 50.3298% | 4,968 |
| Net loans and leases to deposits | 58.5775% | 5,058 |
| Net loans and leases to core deposits | 69.1489% | 4,400 |
| Total domestic deposits to total assets | 85.9200% | 2,886 |
| Equity capital to assets | 12.9170% | 1,472 |
| Core capital (leverage) ratio | 12.6959% | 1,305 |
| Tier 1 risk-based capital ratio | 19.2646% | 1,835 |
| Total risk-based capital ratio | 20.5312% | 1,802 |
| Memoranda: | ||
| Average total assets | $307,398,500 | 2,125 |
| Average earning assets | $281,840,000 | 2,128 |
| Average equity | $36,388,500 | 1,940 |
| Average total loans | $147,517,500 | 2,621 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1421% | 3,181 |
| Cost of funding earning assets | 0.6125% | 1,788 |
| Net interest margin | 3.5296% | 3,659 |
| Noninterest income to average assets | 0.5686% | 2,997 |
| Noninterest expense to average assets | 1.9101% | 5,984 |
| Loan and lease loss provision to assets | 0.0781% | 2,722 |
| Net operating income to assets | 1.5134% | 848 |
| Return on assets (ROA) | 1.2758% | 1,432 |
| Pretax return on assets | 1.5295% | 1,453 |
| Return on Equity (ROE) | 11.1150% | 1,706 |
| Retained earnings to average equity (ytd only) | 11.1150% | 524 |
| Net charge-offs to loans | -0.0084% | 5,286 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2138% | 6,161 |
| Assets per employee ($millions) | 5.4142% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6600% | 221 |
| Loan loss allowance to noncurrent loans | 1,029.1747% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 5,602 |
| Noncurrent loans to loans | 0.3556% | 4,932 |
| Net loans and leases to total assets | 45.7339% | 5,390 |
| Net loans and leases to deposits | 52.6982% | 5,450 |
| Net loans and leases to core deposits | 61.9500% | 4,971 |
| Total domestic deposits to total assets | 86.7847% | 2,587 |
| Equity capital to assets | 12.2850% | 1,786 |
| Core capital (leverage) ratio | 12.5802% | 1,352 |
| Tier 1 risk-based capital ratio | 19.5957% | 1,786 |
| Total risk-based capital ratio | 20.8634% | 1,750 |
| Memoranda: | ||
| Average total assets | $307,423,670 | 2,125 |
| Average earning assets | $281,786,670 | 2,126 |
| Average equity | $35,285,670 | 1,977 |
| Average total loans | $143,344,000 | 2,681 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1229% | 3,190 |
| Cost of funding earning assets | 0.6280% | 1,749 |
| Net interest margin | 3.4949% | 3,721 |
| Noninterest income to average assets | 0.5541% | 3,023 |
| Noninterest expense to average assets | 1.9216% | 6,030 |
| Loan and lease loss provision to assets | 0.0782% | 2,584 |
| Net operating income to assets | 1.4618% | 875 |
| Return on assets (ROA) | 1.4914% | 862 |
| Pretax return on assets | 1.7743% | 835 |
| Return on Equity (ROE) | 13.4699% | 1,045 |
| Retained earnings to average equity (ytd only) | 13.4699% | 436 |
| Net charge-offs to loans | 0.0085% | 3,458 |
| Credit loss provision to net charge-offs | 2,000.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 464.6667% | 88 |
| Efficiency ratio | 51.3947% | 6,170 |
| Assets per employee ($millions) | 5.4150% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6611% | 242 |
| Loan loss allowance to noncurrent loans | 2,301.3043% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 5,927 |
| Noncurrent loans to loans | 0.1591% | 5,607 |
| Net loans and leases to total assets | 45.1252% | 5,416 |
| Net loans and leases to deposits | 51.3652% | 5,491 |
| Net loans and leases to core deposits | 60.2340% | 5,018 |
| Total domestic deposits to total assets | 87.8516% | 2,311 |
| Equity capital to assets | 11.5144% | 2,235 |
| Core capital (leverage) ratio | 12.1584% | 1,571 |
| Tier 1 risk-based capital ratio | 19.0624% | 1,948 |
| Total risk-based capital ratio | 20.3295% | 1,905 |
| Memoranda: | ||
| Average total assets | $306,830,000 | 2,132 |
| Average earning assets | $279,606,500 | 2,148 |
| Average equity | $33,972,000 | 2,034 |
| Average total loans | $141,765,000 | 2,708 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9919% | 4,113 |
| Cost of funding earning assets | 0.7931% | 1,249 |
| Net interest margin | 3.1988% | 5,009 |
| Noninterest income to average assets | 0.6509% | 2,801 |
| Noninterest expense to average assets | 1.9407% | 6,122 |
| Loan and lease loss provision to assets | 0.2472% | 1,458 |
| Net operating income to assets | 1.1506% | 1,759 |
| Return on assets (ROA) | 1.2400% | 1,482 |
| Pretax return on assets | 1.4930% | 1,464 |
| Return on Equity (ROE) | 11.0470% | 1,752 |
| Retained earnings to average equity (ytd only) | 9.8229% | 588 |
| Net charge-offs to loans | 0.1261% | 3,557 |
| Credit loss provision to net charge-offs | 444.7853% | 515 |
| Earnings coverage of net charge-offs (x) | 29.3742% | 1,207 |
| Efficiency ratio | 54.3130% | 6,106 |
| Assets per employee ($millions) | 5.5455% | 1,608 |
| Cash dividends to net income (ytd only)* | 11.0806% | 4,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7681% | 233 |
| Loan loss allowance to noncurrent loans | 1,407.5269% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 5,821 |
| Noncurrent loans to loans | 0.2677% | 5,383 |
| Net loans and leases to total assets | 43.8419% | 5,687 |
| Net loans and leases to deposits | 50.1899% | 5,755 |
| Net loans and leases to core deposits | 59.6427% | 5,244 |
| Total domestic deposits to total assets | 87.3519% | 2,552 |
| Equity capital to assets | 10.6242% | 3,013 |
| Core capital (leverage) ratio | 11.7629% | 1,781 |
| Tier 1 risk-based capital ratio | 18.6067% | 2,051 |
| Total risk-based capital ratio | 19.8737% | 2,008 |
| Memoranda: | ||
| Average total assets | $293,299,400 | 2,192 |
| Average earning assets | $267,945,400 | 2,199 |
| Average equity | $32,923,000 | 2,088 |
| Average total loans | $129,259,600 | 2,876 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 4,360 |
| Cost of funding earning assets | 0.8339% | 1,131 |
| Net interest margin | 3.1035% | 5,310 |
| Noninterest income to average assets | 0.6750% | 2,754 |
| Noninterest expense to average assets | 1.9317% | 6,136 |
| Loan and lease loss provision to assets | 0.2594% | 1,366 |
| Net operating income to assets | 1.0685% | 2,124 |
| Return on assets (ROA) | 1.1975% | 1,717 |
| Pretax return on assets | 1.4817% | 1,662 |
| Return on Equity (ROE) | 10.5203% | 1,992 |
| Retained earnings to average equity (ytd only) | 8.8947% | 1,089 |
| Net charge-offs to loans | 0.0179% | 4,773 |
| Credit loss provision to net charge-offs | 3,323.5294% | 105 |
| Earnings coverage of net charge-offs (x) | 202.6123% | 286 |
| Efficiency ratio | 54.9791% | 6,018 |
| Assets per employee ($millions) | 5.5918% | 1,545 |
| Cash dividends to net income (ytd only)* | 15.4524% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8654% | 262 |
| Loan loss allowance to noncurrent loans | 880.6071% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 5,818 |
| Noncurrent loans to loans | 0.4389% | 5,100 |
| Net loans and leases to total assets | 43.0106% | 5,816 |
| Net loans and leases to deposits | 48.6006% | 5,925 |
| Net loans and leases to core deposits | 57.7811% | 5,468 |
| Total domestic deposits to total assets | 88.4981% | 1,836 |
| Equity capital to assets | 10.5809% | 3,186 |
| Core capital (leverage) ratio | 11.6719% | 1,902 |
| Tier 1 risk-based capital ratio | 18.3469% | 2,198 |
| Total risk-based capital ratio | 19.6146% | 2,154 |
| Memoranda: | ||
| Average total assets | $290,373,500 | 2,214 |
| Average earning assets | $265,582,750 | 2,219 |
| Average equity | $33,052,750 | 2,105 |
| Average total loans | $126,835,750 | 2,931 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8812% | 4,545 |
| Cost of funding earning assets | 0.7965% | 1,437 |
| Net interest margin | 3.0846% | 5,317 |
| Noninterest income to average assets | 0.6673% | 2,811 |
| Noninterest expense to average assets | 1.9678% | 6,100 |
| Loan and lease loss provision to assets | 0.3141% | 1,131 |
| Net operating income to assets | 0.9704% | 2,463 |
| Return on assets (ROA) | 1.4143% | 1,134 |
| Pretax return on assets | 1.7556% | 1,007 |
| Return on Equity (ROE) | 12.1244% | 1,453 |
| Retained earnings to average equity (ytd only) | 12.1244% | 472 |
| Net charge-offs to loans | -0.0677% | 6,375 |
| Credit loss provision to net charge-offs | -1,071.4286% | 6,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3913% | 5,916 |
| Assets per employee ($millions) | 5.3370% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9524% | 264 |
| Loan loss allowance to noncurrent loans | 935.8696% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 5,846 |
| Noncurrent loans to loans | 0.4223% | 5,206 |
| Net loans and leases to total assets | 43.5608% | 5,781 |
| Net loans and leases to deposits | 50.5364% | 5,797 |
| Net loans and leases to core deposits | 56.1727% | 5,583 |
| Total domestic deposits to total assets | 86.1969% | 3,263 |
| Equity capital to assets | 10.8391% | 2,909 |
| Core capital (leverage) ratio | 12.1578% | 1,532 |
| Tier 1 risk-based capital ratio | 18.7269% | 2,074 |
| Total risk-based capital ratio | 19.9949% | 2,030 |
| Memoranda: | ||
| Average total assets | $286,512,000 | 2,245 |
| Average earning assets | $262,138,330 | 2,249 |
| Average equity | $33,420,330 | 2,085 |
| Average total loans | $124,082,330 | 2,989 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 4,732 |
| Cost of funding earning assets | 0.7229% | 2,042 |
| Net interest margin | 3.1031% | 5,255 |
| Noninterest income to average assets | 0.6315% | 2,969 |
| Noninterest expense to average assets | 1.8847% | 6,300 |
| Loan and lease loss provision to assets | 0.3781% | 845 |
| Net operating income to assets | 0.9205% | 2,565 |
| Return on assets (ROA) | 1.5430% | 856 |
| Pretax return on assets | 2.0247% | 569 |
| Return on Equity (ROE) | 12.7726% | 1,221 |
| Retained earnings to average equity (ytd only) | 12.7726% | 584 |
| Net charge-offs to loans | 0.0298% | 3,615 |
| Credit loss provision to net charge-offs | 3,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 125.6667% | 306 |
| Efficiency ratio | 54.3399% | 6,201 |
| Assets per employee ($millions) | 5.2854% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1010% | 261 |
| Loan loss allowance to noncurrent loans | 931.1321% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 5,964 |
| Noncurrent loans to loans | 0.4404% | 5,319 |
| Net loans and leases to total assets | 40.4336% | 5,962 |
| Net loans and leases to deposits | 47.3631% | 5,973 |
| Net loans and leases to core deposits | 52.6167% | 5,775 |
| Total domestic deposits to total assets | 85.3695% | 3,863 |
| Equity capital to assets | 12.1222% | 1,955 |
| Core capital (leverage) ratio | 12.1111% | 1,506 |
| Tier 1 risk-based capital ratio | 19.4157% | 1,935 |
| Total risk-based capital ratio | 20.6839% | 1,904 |
| Memoranda: | ||
| Average total assets | $285,669,500 | 2,278 |
| Average earning assets | $261,159,000 | 2,280 |
| Average equity | $34,511,500 | 2,047 |
| Average total loans | $120,770,000 | 3,072 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 4,917 |
| Cost of funding earning assets | 0.9143% | 1,852 |
| Net interest margin | 3.1944% | 5,583 |
| Noninterest income to average assets | 0.7253% | 2,605 |
| Noninterest expense to average assets | 1.9261% | 6,461 |
| Loan and lease loss provision to assets | 0.6534% | 816 |
| Net operating income to assets | 0.7937% | 3,315 |
| Return on assets (ROA) | 1.7794% | 594 |
| Pretax return on assets | 2.3522% | 310 |
| Return on Equity (ROE) | 15.2371% | 768 |
| Retained earnings to average equity (ytd only) | 14.2362% | 194 |
| Net charge-offs to loans | 0.7752% | 1,513 |
| Credit loss provision to net charge-offs | 199.7780% | 1,304 |
| Earnings coverage of net charge-offs (x) | 5.2242% | 3,103 |
| Efficiency ratio | 52.9911% | 6,373 |
| Assets per employee ($millions) | 5.3949% | 1,788 |
| Cash dividends to net income (ytd only)* | 6.5687% | 4,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8563% | 317 |
| Loan loss allowance to noncurrent loans | 1,081.9444% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 5,566 |
| Noncurrent loans to loans | 0.3564% | 5,595 |
| Net loans and leases to total assets | 40.7547% | 6,120 |
| Net loans and leases to deposits | 48.3922% | 6,084 |
| Net loans and leases to core deposits | 53.9579% | 5,878 |
| Total domestic deposits to total assets | 84.2174% | 4,218 |
| Equity capital to assets | 12.0397% | 2,021 |
| Core capital (leverage) ratio | 11.7403% | 1,713 |
| Tier 1 risk-based capital ratio | 18.6235% | 2,064 |
| Total risk-based capital ratio | 19.8900% | 2,024 |
| Memoranda: | ||
| Average total assets | $275,485,800 | 2,301 |
| Average earning assets | $250,910,400 | 2,315 |
| Average equity | $32,171,400 | 2,134 |
| Average total loans | $116,221,600 | 3,159 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 4,797 |
| Cost of funding earning assets | 0.9580% | 1,802 |
| Net interest margin | 3.2499% | 5,545 |
| Noninterest income to average assets | 0.7095% | 2,660 |
| Noninterest expense to average assets | 1.8430% | 6,627 |
| Loan and lease loss provision to assets | 0.6841% | 753 |
| Net operating income to assets | 0.8714% | 3,121 |
| Return on assets (ROA) | 1.9139% | 512 |
| Pretax return on assets | 2.4885% | 298 |
| Return on Equity (ROE) | 16.5228% | 666 |
| Retained earnings to average equity (ytd only) | 15.1645% | 225 |
| Net charge-offs to loans | 1.0332% | 1,019 |
| Credit loss provision to net charge-offs | 157.1268% | 1,788 |
| Earnings coverage of net charge-offs (x) | 4.1773% | 3,376 |
| Efficiency ratio | 50.3336% | 6,562 |
| Assets per employee ($millions) | 5.4621% | 1,670 |
| Cash dividends to net income (ytd only)* | 8.2205% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6617% | 407 |
| Loan loss allowance to noncurrent loans | 962.6966% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 5,755 |
| Noncurrent loans to loans | 0.3804% | 5,710 |
| Net loans and leases to total assets | 39.6824% | 6,310 |
| Net loans and leases to deposits | 47.0136% | 6,316 |
| Net loans and leases to core deposits | 52.6004% | 6,142 |
| Total domestic deposits to total assets | 84.4062% | 4,031 |
| Equity capital to assets | 11.9283% | 2,322 |
| Core capital (leverage) ratio | 11.7389% | 1,818 |
| Tier 1 risk-based capital ratio | 18.7496% | 2,090 |
| Total risk-based capital ratio | 20.0144% | 2,050 |
| Memoranda: | ||
| Average total assets | $272,875,250 | 2,342 |
| Average earning assets | $247,875,750 | 2,369 |
| Average equity | $31,608,000 | 2,181 |
| Average total loans | $114,976,250 | 3,219 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 3,681 |
| Cost of funding earning assets | 0.9704% | 1,933 |
| Net interest margin | 3.5508% | 4,461 |
| Noninterest income to average assets | 0.6896% | 2,719 |
| Noninterest expense to average assets | 1.8881% | 6,620 |
| Loan and lease loss provision to assets | 0.8174% | 607 |
| Net operating income to assets | 0.8545% | 3,113 |
| Return on assets (ROA) | 2.0011% | 449 |
| Pretax return on assets | 2.7932% | 197 |
| Return on Equity (ROE) | 17.4583% | 580 |
| Retained earnings to average equity (ytd only) | 17.4583% | 162 |
| Net charge-offs to loans | 0.8731% | 1,262 |
| Credit loss provision to net charge-offs | 220.4409% | 1,291 |
| Earnings coverage of net charge-offs (x) | 5.4429% | 2,836 |
| Efficiency ratio | 48.3356% | 6,754 |
| Assets per employee ($millions) | 5.0294% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7754% | 399 |
| Loan loss allowance to noncurrent loans | 447.9017% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.6757% | 5,084 |
| Noncurrent loans to loans | 0.8429% | 4,829 |
| Net loans and leases to total assets | 41.0659% | 6,264 |
| Net loans and leases to deposits | 48.2167% | 6,296 |
| Net loans and leases to core deposits | 53.1916% | 6,147 |
| Total domestic deposits to total assets | 85.1696% | 3,787 |
| Equity capital to assets | 11.8557% | 2,264 |
| Core capital (leverage) ratio | 11.5535% | 1,869 |
| Tier 1 risk-based capital ratio | 18.0816% | 2,267 |
| Total risk-based capital ratio | 19.3467% | 2,234 |
| Memoranda: | ||
| Average total assets | $269,157,000 | 2,379 |
| Average earning assets | $243,829,330 | 2,408 |
| Average equity | $30,850,670 | 2,211 |
| Average total loans | $114,303,670 | 3,244 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5900% | 3,549 |
| Cost of funding earning assets | 0.9688% | 2,170 |
| Net interest margin | 3.6212% | 4,174 |
| Noninterest income to average assets | 0.6554% | 2,897 |
| Noninterest expense to average assets | 1.8676% | 6,702 |
| Loan and lease loss provision to assets | 1.1943% | 322 |
| Net operating income to assets | 0.6211% | 4,251 |
| Return on assets (ROA) | 1.9810% | 499 |
| Pretax return on assets | 2.8066% | 225 |
| Return on Equity (ROE) | 17.5898% | 598 |
| Retained earnings to average equity (ytd only) | 17.5898% | 280 |
| Net charge-offs to loans | 1.7762% | 536 |
| Credit loss provision to net charge-offs | 158.7302% | 1,596 |
| Earnings coverage of net charge-offs (x) | 2.7718% | 3,071 |
| Efficiency ratio | 47.2432% | 6,843 |
| Assets per employee ($millions) | 5.1558% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5809% | 511 |
| Loan loss allowance to noncurrent loans | 460.5204% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.6375% | 5,298 |
| Noncurrent loans to loans | 0.7776% | 5,109 |
| Net loans and leases to total assets | 40.1145% | 6,342 |
| Net loans and leases to deposits | 46.6274% | 6,379 |
| Net loans and leases to core deposits | 51.3706% | 6,253 |
| Total domestic deposits to total assets | 86.0321% | 3,510 |
| Equity capital to assets | 11.2565% | 2,669 |
| Core capital (leverage) ratio | 11.3904% | 1,971 |
| Tier 1 risk-based capital ratio | 17.5172% | 2,470 |
| Total risk-based capital ratio | 18.7803% | 2,434 |
| Memoranda: | ||
| Average total assets | $267,940,500 | 2,405 |
| Average earning assets | $244,007,000 | 2,419 |
| Average equity | $30,176,500 | 2,250 |
| Average total loans | $113,502,000 | 3,288 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9260% | 3,225 |
| Cost of funding earning assets | 1.3753% | 1,144 |
| Net interest margin | 3.5507% | 4,929 |
| Noninterest income to average assets | 0.5893% | 3,227 |
| Noninterest expense to average assets | 1.9507% | 6,760 |
| Loan and lease loss provision to assets | 0.8010% | 1,226 |
| Net operating income to assets | 0.8983% | 2,612 |
| Return on assets (ROA) | 1.1447% | 1,797 |
| Pretax return on assets | 1.3408% | 1,979 |
| Return on Equity (ROE) | 10.9511% | 1,709 |
| Retained earnings to average equity (ytd only) | 9.9002% | 590 |
| Net charge-offs to loans | 0.9525% | 1,818 |
| Credit loss provision to net charge-offs | 190.9091% | 1,336 |
| Earnings coverage of net charge-offs (x) | 4.4136% | 3,123 |
| Efficiency ratio | 51.2990% | 6,752 |
| Assets per employee ($millions) | 5.0505% | 2,127 |
| Cash dividends to net income (ytd only)* | 9.5968% | 3,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3313% | 603 |
| Loan loss allowance to noncurrent loans | 292.6357% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.8179% | 4,997 |
| Noncurrent loans to loans | 1.1384% | 4,458 |
| Net loans and leases to total assets | 41.7106% | 6,409 |
| Net loans and leases to deposits | 48.7616% | 6,444 |
| Net loans and leases to core deposits | 54.0769% | 6,301 |
| Total domestic deposits to total assets | 85.5399% | 3,570 |
| Equity capital to assets | 11.2685% | 2,722 |
| Core capital (leverage) ratio | 10.5206% | 2,703 |
| Tier 1 risk-based capital ratio | 17.0943% | 2,555 |
| Total risk-based capital ratio | 18.3560% | 2,511 |
| Memoranda: | ||
| Average total assets | $262,164,000 | 2,411 |
| Average earning assets | $237,250,000 | 2,432 |
| Average equity | $27,403,600 | 2,365 |
| Average total loans | $115,483,800 | 3,265 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9181% | 3,475 |
| Cost of funding earning assets | 1.4231% | 1,135 |
| Net interest margin | 3.4950% | 5,213 |
| Noninterest income to average assets | 0.5693% | 3,376 |
| Noninterest expense to average assets | 1.9640% | 6,766 |
| Loan and lease loss provision to assets | 0.6614% | 1,466 |
| Net operating income to assets | 0.8657% | 2,880 |
| Return on assets (ROA) | 1.4852% | 1,052 |
| Pretax return on assets | 1.9009% | 778 |
| Return on Equity (ROE) | 14.4917% | 943 |
| Retained earnings to average equity (ytd only) | 13.0619% | 377 |
| Net charge-offs to loans | 0.2735% | 3,726 |
| Credit loss provision to net charge-offs | 546.2185% | 502 |
| Earnings coverage of net charge-offs (x) | 14.6006% | 1,523 |
| Efficiency ratio | 52.6244% | 6,625 |
| Assets per employee ($millions) | 5.3300% | 1,773 |
| Cash dividends to net income (ytd only)* | 9.8664% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3257% | 648 |
| Loan loss allowance to noncurrent loans | 244.8628% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 5,676 |
| Noncurrent loans to loans | 1.3582% | 4,270 |
| Net loans and leases to total assets | 41.0326% | 6,557 |
| Net loans and leases to deposits | 48.2855% | 6,608 |
| Net loans and leases to core deposits | 62.4101% | 5,782 |
| Total domestic deposits to total assets | 84.9791% | 3,772 |
| Equity capital to assets | 10.7116% | 3,458 |
| Core capital (leverage) ratio | 10.8884% | 2,484 |
| Tier 1 risk-based capital ratio | 16.4710% | 2,879 |
| Total risk-based capital ratio | 17.7325% | 2,834 |
| Memoranda: | ||
| Average total assets | $262,048,500 | 2,424 |
| Average earning assets | $237,133,250 | 2,434 |
| Average equity | $26,856,000 | 2,408 |
| Average total loans | $116,025,250 | 3,283 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9236% | 3,517 |
| Cost of funding earning assets | 1.4050% | 1,401 |
| Net interest margin | 3.5186% | 5,075 |
| Noninterest income to average assets | 0.5642% | 3,372 |
| Noninterest expense to average assets | 1.9444% | 6,885 |
| Loan and lease loss provision to assets | 0.5410% | 1,796 |
| Net operating income to assets | 0.9937% | 2,253 |
| Return on assets (ROA) | 1.3942% | 1,162 |
| Pretax return on assets | 1.7752% | 923 |
| Return on Equity (ROE) | 13.8225% | 1,010 |
| Retained earnings to average equity (ytd only) | 13.8225% | 327 |
| Net charge-offs to loans | 0.1376% | 4,368 |
| Credit loss provision to net charge-offs | 875.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 29.2625% | 941 |
| Efficiency ratio | 51.8015% | 6,803 |
| Assets per employee ($millions) | 5.0194% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8571% | 1,026 |
| Loan loss allowance to noncurrent loans | 181.5508% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 5,474 |
| Noncurrent loans to loans | 1.5737% | 4,041 |
| Net loans and leases to total assets | 44.2247% | 6,417 |
| Net loans and leases to deposits | 52.9986% | 6,393 |
| Net loans and leases to core deposits | 58.3506% | 6,247 |
| Total domestic deposits to total assets | 83.4451% | 4,564 |
| Equity capital to assets | 10.7682% | 3,208 |
| Core capital (leverage) ratio | 10.6701% | 2,549 |
| Tier 1 risk-based capital ratio | 16.1436% | 2,905 |
| Total risk-based capital ratio | 17.4018% | 2,875 |
| Memoranda: | ||
| Average total assets | $258,788,670 | 2,466 |
| Average earning assets | $234,582,670 | 2,483 |
| Average equity | $26,102,330 | 2,452 |
| Average total loans | $116,242,000 | 3,311 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8360% | 3,889 |
| Cost of funding earning assets | 1.4099% | 1,563 |
| Net interest margin | 3.4261% | 5,319 |
| Noninterest income to average assets | 0.5433% | 3,560 |
| Noninterest expense to average assets | 1.8907% | 7,004 |
| Loan and lease loss provision to assets | 0.4657% | 1,891 |
| Net operating income to assets | 1.0472% | 2,009 |
| Return on assets (ROA) | 1.2962% | 1,317 |
| Pretax return on assets | 1.5989% | 1,195 |
| Return on Equity (ROE) | 13.3065% | 1,126 |
| Retained earnings to average equity (ytd only) | 13.3065% | 545 |
| Net charge-offs to loans | 0.2993% | 2,849 |
| Credit loss provision to net charge-offs | 348.8372% | 938 |
| Earnings coverage of net charge-offs (x) | 13.1628% | 1,456 |
| Efficiency ratio | 51.8298% | 6,869 |
| Assets per employee ($millions) | 5.2216% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6232% | 1,287 |
| Loan loss allowance to noncurrent loans | 143.9095% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 5,260 |
| Noncurrent loans to loans | 1.8228% | 3,800 |
| Net loans and leases to total assets | 42.4989% | 6,576 |
| Net loans and leases to deposits | 51.0488% | 6,541 |
| Net loans and leases to core deposits | 55.5686% | 6,448 |
| Total domestic deposits to total assets | 83.2515% | 4,823 |
| Equity capital to assets | 9.9789% | 3,801 |
| Core capital (leverage) ratio | 10.4754% | 2,642 |
| Tier 1 risk-based capital ratio | 16.0957% | 2,860 |
| Total risk-based capital ratio | 17.3518% | 2,830 |
| Memoranda: | ||
| Average total assets | $257,678,000 | 2,493 |
| Average earning assets | $233,500,000 | 2,510 |
| Average equity | $25,100,500 | 2,532 |
| Average total loans | $114,950,000 | 3,368 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4027% | 2,659 |
| Cost of funding earning assets | 1.7810% | 1,250 |
| Net interest margin | 3.6217% | 4,715 |
| Noninterest income to average assets | 0.7185% | 2,724 |
| Noninterest expense to average assets | 2.1429% | 6,747 |
| Loan and lease loss provision to assets | 0.8476% | 1,932 |
| Net operating income to assets | 0.7349% | 3,072 |
| Return on assets (ROA) | 1.0167% | 2,090 |
| Pretax return on assets | 1.3613% | 1,766 |
| Return on Equity (ROE) | 9.7453% | 2,022 |
| Retained earnings to average equity (ytd only) | 8.6634% | 794 |
| Net charge-offs to loans | 1.6068% | 1,350 |
| Credit loss provision to net charge-offs | 106.3034% | 4,205 |
| Earnings coverage of net charge-offs (x) | 2.2991% | 4,002 |
| Efficiency ratio | 53.8939% | 6,815 |
| Assets per employee ($millions) | 5.0855% | 2,033 |
| Cash dividends to net income (ytd only)* | 11.1018% | 3,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3932% | 1,551 |
| Loan loss allowance to noncurrent loans | 234.9704% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5030% | 6,021 |
| Noncurrent loans to loans | 1.0185% | 5,033 |
| Net loans and leases to total assets | 44.5107% | 6,673 |
| Net loans and leases to deposits | 53.6068% | 6,635 |
| Net loans and leases to core deposits | 58.7320% | 6,497 |
| Total domestic deposits to total assets | 83.0318% | 4,782 |
| Equity capital to assets | 9.4968% | 4,408 |
| Core capital (leverage) ratio | 10.5164% | 2,543 |
| Tier 1 risk-based capital ratio | 15.4031% | 3,041 |
| Total risk-based capital ratio | 16.6569% | 2,999 |
| Memoranda: | ||
| Average total assets | $234,778,400 | 2,695 |
| Average earning assets | $211,170,800 | 2,740 |
| Average equity | $24,493,800 | 2,609 |
| Average total loans | $116,505,600 | 3,390 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4756% | 2,536 |
| Cost of funding earning assets | 1.7735% | 1,534 |
| Net interest margin | 3.7021% | 4,388 |
| Noninterest income to average assets | 0.7238% | 2,684 |
| Noninterest expense to average assets | 2.1707% | 6,683 |
| Loan and lease loss provision to assets | 0.6901% | 2,219 |
| Net operating income to assets | 0.8961% | 2,624 |
| Return on assets (ROA) | 1.1773% | 1,745 |
| Pretax return on assets | 1.5560% | 1,459 |
| Return on Equity (ROE) | 11.0113% | 1,781 |
| Retained earnings to average equity (ytd only) | 9.5738% | 894 |
| Net charge-offs to loans | 2.0346% | 925 |
| Credit loss provision to net charge-offs | 66.8539% | 5,512 |
| Earnings coverage of net charge-offs (x) | 1.8174% | 4,347 |
| Efficiency ratio | 53.6400% | 6,818 |
| Assets per employee ($millions) | 4.8747% | 2,363 |
| Cash dividends to net income (ytd only)* | 13.0540% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7741% | 2,875 |
| Loan loss allowance to noncurrent loans | 163.6580% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 6,112 |
| Noncurrent loans to loans | 1.0840% | 5,069 |
| Net loans and leases to total assets | 46.9553% | 6,617 |
| Net loans and leases to deposits | 57.6014% | 6,495 |
| Net loans and leases to core deposits | 59.6446% | 6,635 |
| Total domestic deposits to total assets | 81.5176% | 5,194 |
| Equity capital to assets | 10.9812% | 2,982 |
| Core capital (leverage) ratio | 10.8482% | 2,375 |
| Tier 1 risk-based capital ratio | 15.9309% | 2,793 |
| Total risk-based capital ratio | 17.1819% | 2,740 |
| Memoranda: | ||
| Average total assets | $229,904,000 | 2,787 |
| Average earning assets | $206,363,750 | 2,828 |
| Average equity | $24,580,250 | 2,638 |
| Average total loans | $116,643,250 | 3,434 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5841% | 2,195 |
| Cost of funding earning assets | 1.8541% | 1,415 |
| Net interest margin | 3.7301% | 4,233 |
| Noninterest income to average assets | 0.7146% | 2,622 |
| Noninterest expense to average assets | 2.2016% | 6,649 |
| Loan and lease loss provision to assets | 0.7013% | 2,072 |
| Net operating income to assets | 0.8450% | 2,751 |
| Return on assets (ROA) | 1.0342% | 2,145 |
| Pretax return on assets | 1.3999% | 1,839 |
| Return on Equity (ROE) | 9.7686% | 2,187 |
| Retained earnings to average equity (ytd only) | 9.7686% | 899 |
| Net charge-offs to loans | 1.9334% | 948 |
| Credit loss provision to net charge-offs | 70.0355% | 4,963 |
| Earnings coverage of net charge-offs (x) | 1.8431% | 4,136 |
| Efficiency ratio | 54.3979% | 6,831 |
| Assets per employee ($millions) | 4.7430% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9924% | 2,206 |
| Loan loss allowance to noncurrent loans | 194.3839% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5031% | 6,200 |
| Noncurrent loans to loans | 1.0250% | 5,261 |
| Net loans and leases to total assets | 48.1014% | 6,617 |
| Net loans and leases to deposits | 58.6452% | 6,529 |
| Net loans and leases to core deposits | 60.7535% | 6,653 |
| Total domestic deposits to total assets | 82.0210% | 4,978 |
| Equity capital to assets | 10.5124% | 3,396 |
| Core capital (leverage) ratio | 10.9233% | 2,301 |
| Tier 1 risk-based capital ratio | 15.5624% | 2,864 |
| Total risk-based capital ratio | 16.8142% | 2,835 |
| Memoranda: | ||
| Average total assets | $225,294,000 | 2,867 |
| Average earning assets | $201,284,000 | 2,928 |
| Average equity | $23,852,000 | 2,708 |
| Average total loans | $116,686,670 | 3,462 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8359% | 1,360 |
| Cost of funding earning assets | 1.8756% | 1,550 |
| Net interest margin | 3.9603% | 3,054 |
| Noninterest income to average assets | 0.7640% | 2,213 |
| Noninterest expense to average assets | 2.2009% | 6,687 |
| Loan and lease loss provision to assets | 0.3282% | 3,433 |
| Net operating income to assets | 1.2497% | 1,402 |
| Return on assets (ROA) | 1.5372% | 903 |
| Pretax return on assets | 2.1626% | 449 |
| Return on Equity (ROE) | 14.4640% | 960 |
| Retained earnings to average equity (ytd only) | 14.4640% | 455 |
| Net charge-offs to loans | 0.5409% | 2,444 |
| Credit loss provision to net charge-offs | 113.9241% | 3,047 |
| Earnings coverage of net charge-offs (x) | 7.2405% | 2,114 |
| Efficiency ratio | 51.3399% | 7,204 |
| Assets per employee ($millions) | 4.6244% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3375% | 1,521 |
| Loan loss allowance to noncurrent loans | 108.4615% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0901% | 4,968 |
| Noncurrent loans to loans | 2.1551% | 3,585 |
| Net loans and leases to total assets | 49.3978% | 6,537 |
| Net loans and leases to deposits | 60.4295% | 6,423 |
| Net loans and leases to core deposits | 62.5223% | 6,556 |
| Total domestic deposits to total assets | 81.7445% | 5,178 |
| Equity capital to assets | 10.5029% | 3,242 |
| Core capital (leverage) ratio | 11.3181% | 2,024 |
| Tier 1 risk-based capital ratio | 15.7008% | 2,782 |
| Total risk-based capital ratio | 16.9557% | 2,724 |
| Memoranda: | ||
| Average total assets | $219,366,500 | 2,997 |
| Average earning assets | $195,137,500 | 3,058 |
| Average equity | $23,313,000 | 2,792 |
| Average total loans | $116,834,500 | 3,524 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1567% | 1,354 |
| Cost of funding earning assets | 2.1397% | 2,278 |
| Net interest margin | 4.0170% | 2,799 |
| Noninterest income to average assets | 0.8588% | 2,145 |
| Noninterest expense to average assets | 2.4390% | 6,341 |
| Loan and lease loss provision to assets | 0.8829% | 2,541 |
| Net operating income to assets | 0.7568% | 2,689 |
| Return on assets (ROA) | 0.9115% | 2,202 |
| Pretax return on assets | 1.3153% | 1,655 |
| Return on Equity (ROE) | 8.3878% | 2,241 |
| Retained earnings to average equity (ytd only) | 6.6752% | 1,085 |
| Net charge-offs to loans | 1.5486% | 1,626 |
| Credit loss provision to net charge-offs | 103.0445% | 5,360 |
| Earnings coverage of net charge-offs (x) | 2.3039% | 3,996 |
| Efficiency ratio | 55.2688% | 7,099 |
| Assets per employee ($millions) | 4.3293% | 3,228 |
| Cash dividends to net income (ytd only)* | 20.4183% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2317% | 1,588 |
| Loan loss allowance to noncurrent loans | 95.0626% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 1.3293% | 4,439 |
| Noncurrent loans to loans | 2.3476% | 3,234 |
| Net loans and leases to total assets | 54.8699% | 6,097 |
| Net loans and leases to deposits | 67.7516% | 5,865 |
| Net loans and leases to core deposits | 78.5118% | 6,223 |
| Total domestic deposits to total assets | 80.9869% | 5,345 |
| Equity capital to assets | 10.7604% | 2,906 |
| Core capital (leverage) ratio | 11.3755% | 1,984 |
| Tier 1 risk-based capital ratio | 15.3133% | 2,794 |
| Total risk-based capital ratio | 16.5680% | 2,750 |
| Memoranda: | ||
| Average total assets | $199,345,000 | 3,189 |
| Average earning assets | $176,376,400 | 3,264 |
| Average equity | $21,662,400 | 2,992 |
| Average total loans | $110,290,400 | 3,687 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3152% | 1,102 |
| Cost of funding earning assets | 2.1712% | 2,550 |
| Net interest margin | 4.1440% | 2,234 |
| Noninterest income to average assets | 0.8674% | 2,113 |
| Noninterest expense to average assets | 2.4722% | 6,170 |
| Loan and lease loss provision to assets | 0.6526% | 2,796 |
| Net operating income to assets | 0.9740% | 2,150 |
| Return on assets (ROA) | 1.1583% | 1,626 |
| Pretax return on assets | 1.6722% | 1,024 |
| Return on Equity (ROE) | 10.6308% | 1,723 |
| Retained earnings to average equity (ytd only) | 8.3163% | 1,036 |
| Net charge-offs to loans | 2.1005% | 925 |
| Credit loss provision to net charge-offs | 56.3711% | 6,223 |
| Earnings coverage of net charge-offs (x) | 1.7775% | 4,464 |
| Efficiency ratio | 54.5768% | 7,176 |
| Assets per employee ($millions) | 4.2222% | 3,337 |
| Cash dividends to net income (ytd only)* | 21.7721% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6032% | 2,972 |
| Loan loss allowance to noncurrent loans | 63.1186% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.4259% | 4,254 |
| Noncurrent loans to loans | 2.5400% | 2,970 |
| Net loans and leases to total assets | 55.2372% | 6,243 |
| Net loans and leases to deposits | 69.0568% | 6,023 |
| Net loans and leases to core deposits | 80.7413% | 6,286 |
| Total domestic deposits to total assets | 79.9880% | 5,437 |
| Equity capital to assets | 11.1414% | 2,885 |
| Core capital (leverage) ratio | 11.8200% | 1,892 |
| Tier 1 risk-based capital ratio | 15.5383% | 2,803 |
| Total risk-based capital ratio | 16.7207% | 2,781 |
| Memoranda: | ||
| Average total assets | $196,146,750 | 3,246 |
| Average earning assets | $173,355,750 | 3,329 |
| Average equity | $21,371,250 | 3,048 |
| Average total loans | $108,098,750 | 3,772 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3382% | 1,119 |
| Cost of funding earning assets | 2.2105% | 2,748 |
| Net interest margin | 4.1277% | 2,231 |
| Noninterest income to average assets | 0.8641% | 2,129 |
| Noninterest expense to average assets | 2.4376% | 6,345 |
| Loan and lease loss provision to assets | 0.4154% | 3,454 |
| Net operating income to assets | 1.1520% | 1,608 |
| Return on assets (ROA) | 1.1985% | 1,564 |
| Pretax return on assets | 1.7158% | 984 |
| Return on Equity (ROE) | 11.0899% | 1,678 |
| Retained earnings to average equity (ytd only) | 11.0899% | 549 |
| Net charge-offs to loans | 1.1175% | 1,626 |
| Credit loss provision to net charge-offs | 67.9117% | 5,459 |
| Earnings coverage of net charge-offs (x) | 3.3752% | 3,455 |
| Efficiency ratio | 54.1407% | 7,314 |
| Assets per employee ($millions) | 4.1321% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2377% | 1,178 |
| Loan loss allowance to noncurrent loans | 80.6409% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.4797% | 4,019 |
| Noncurrent loans to loans | 2.7749% | 2,592 |
| Net loans and leases to total assets | 52.1321% | 6,668 |
| Net loans and leases to deposits | 64.7235% | 6,498 |
| Net loans and leases to core deposits | 75.2928% | 6,718 |
| Total domestic deposits to total assets | 80.5460% | 5,251 |
| Equity capital to assets | 10.6894% | 3,213 |
| Core capital (leverage) ratio | 11.9452% | 1,857 |
| Tier 1 risk-based capital ratio | 15.9972% | 2,629 |
| Total risk-based capital ratio | 17.2373% | 2,571 |
| Memoranda: | ||
| Average total assets | $192,567,000 | 3,315 |
| Average earning assets | $169,731,670 | 3,395 |
| Average equity | $20,811,670 | 3,126 |
| Average total loans | $105,418,330 | 3,880 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3168% | 1,249 |
| Cost of funding earning assets | 2.2763% | 2,811 |
| Net interest margin | 4.0405% | 2,490 |
| Noninterest income to average assets | 0.8208% | 2,228 |
| Noninterest expense to average assets | 2.5627% | 5,598 |
| Loan and lease loss provision to assets | 0.4051% | 2,894 |
| Net operating income to assets | 1.0037% | 2,300 |
| Return on assets (ROA) | 1.0298% | 2,334 |
| Pretax return on assets | 1.4391% | 1,850 |
| Return on Equity (ROE) | 9.4724% | 2,541 |
| Retained earnings to average equity (ytd only) | 9.4724% | 1,344 |
| Net charge-offs to loans | 0.2420% | 3,192 |
| Credit loss provision to net charge-offs | 301.5873% | 1,601 |
| Earnings coverage of net charge-offs (x) | 13.4603% | 1,735 |
| Efficiency ratio | 58.6341% | 6,605 |
| Assets per employee ($millions) | 3.7758% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6049% | 683 |
| Loan loss allowance to noncurrent loans | 86.5653% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.6389% | 3,449 |
| Noncurrent loans to loans | 3.0092% | 2,171 |
| Net loans and leases to total assets | 53.0457% | 6,575 |
| Net loans and leases to deposits | 66.2415% | 6,355 |
| Net loans and leases to core deposits | 76.5106% | 6,642 |
| Total domestic deposits to total assets | 80.0794% | 5,340 |
| Equity capital to assets | 10.7684% | 3,214 |
| Core capital (leverage) ratio | 12.3404% | 1,748 |
| Tier 1 risk-based capital ratio | 16.2014% | 2,614 |
| Total risk-based capital ratio | 17.4588% | 2,554 |
| Memoranda: | ||
| Average total assets | $187,614,500 | 3,387 |
| Average earning assets | $164,830,500 | 3,494 |
| Average equity | $20,396,000 | 3,204 |
| Average total loans | $104,143,000 | 3,932 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6346% | 2,314 |
| Cost of funding earning assets | 2.6969% | 3,168 |
| Net interest margin | 3.9377% | 3,408 |
| Noninterest income to average assets | 0.7517% | 2,771 |
| Noninterest expense to average assets | 2.4949% | 6,031 |
| Loan and lease loss provision to assets | 0.6301% | 2,308 |
| Net operating income to assets | 0.7533% | 3,651 |
| Return on assets (ROA) | 0.7935% | 3,304 |
| Pretax return on assets | 1.1298% | 2,922 |
| Return on Equity (ROE) | 6.5203% | 3,742 |
| Retained earnings to average equity (ytd only) | 4.8158% | 2,135 |
| Net charge-offs to loans | 0.0500% | 6,078 |
| Credit loss provision to net charge-offs | 2,306.1224% | 200 |
| Earnings coverage of net charge-offs (x) | 62.3061% | 646 |
| Efficiency ratio | 59.4394% | 6,449 |
| Assets per employee ($millions) | 3.5817% | 4,465 |
| Cash dividends to net income (ytd only)* | 26.1420% | 4,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5192% | 663 |
| Loan loss allowance to noncurrent loans | 76.5501% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.8630% | 2,646 |
| Noncurrent loans to loans | 3.2909% | 1,580 |
| Net loans and leases to total assets | 55.1841% | 6,531 |
| Net loans and leases to deposits | 69.4477% | 6,330 |
| Net loans and leases to core deposits | 80.6048% | 6,569 |
| Total domestic deposits to total assets | 79.4613% | 5,219 |
| Equity capital to assets | 10.9797% | 3,054 |
| Core capital (leverage) ratio | 12.3207% | 1,824 |
| Tier 1 risk-based capital ratio | 16.3278% | 2,548 |
| Total risk-based capital ratio | 17.5834% | 2,485 |
| Memoranda: | ||
| Average total assets | $179,323,400 | 3,415 |
| Average earning assets | $156,919,800 | 3,531 |
| Average equity | $21,824,000 | 2,997 |
| Average total loans | $98,058,000 | 4,002 |