Home > The Maries County Bank > Performance and Condition Ratios
The Maries County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6941% | 2,693 |
| Cost of funding earning assets | 1.5622% | 1,787 |
| Net interest margin | 3.1319% | 3,025 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.8903% | 1,295 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.5201% | 3,628 |
| Return on assets (ROA) | 0.5201% | 3,615 |
| Pretax return on assets | 0.5742% | 3,683 |
| Return on Equity (ROE) | 4.7800% | 3,763 |
| Retained earnings to average equity (ytd only) | 1.3834% | 3,740 |
| Net charge-offs to loans | 0.1376% | 729 |
| Credit loss provision to net charge-offs | 123.0216% | 1,652 |
| Earnings coverage of net charge-offs (x) | 9.0504% | 2,315 |
| Efficiency ratio | 81.4764% | 811 |
| Assets per employee ($millions) | 4.0334% | 4,153 |
| Cash dividends to net income (ytd only)* | 71.0747% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5647% | 907 |
| Loan loss allowance to noncurrent loans | 552.8604% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 2,264 |
| Noncurrent loans to loans | 0.2830% | 2,171 |
| Net loans and leases to total assets | 51.9800% | 3,476 |
| Net loans and leases to deposits | 59.2923% | 3,567 |
| Net loans and leases to core deposits | 63.2005% | 3,629 |
| Total domestic deposits to total assets | 87.6600% | 1,466 |
| Equity capital to assets | 11.4356% | 1,314 |
| Core capital (leverage) ratio | 15.0498% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $574,326,800 | 1,538 |
| Average earning assets | $526,046,200 | 1,561 |
| Average equity | $62,454,800 | 1,355 |
| Average total loans | $303,000,400 | 1,782 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 2,714 |
| Cost of funding earning assets | 1.4382% | 1,770 |
| Net interest margin | 3.1479% | 3,031 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.9260% | 1,183 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.4926% | 3,780 |
| Return on assets (ROA) | 0.4926% | 3,782 |
| Pretax return on assets | 0.5450% | 3,830 |
| Return on Equity (ROE) | 4.5900% | 3,881 |
| Retained earnings to average equity (ytd only) | 0.1934% | 4,079 |
| Net charge-offs to loans | 0.1176% | 683 |
| Credit loss provision to net charge-offs | 163.1579% | 1,262 |
| Earnings coverage of net charge-offs (x) | 10.4173% | 2,124 |
| Efficiency ratio | 81.9090% | 737 |
| Assets per employee ($millions) | 4.0254% | 4,156 |
| Cash dividends to net income (ytd only)* | 95.7860% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5891% | 905 |
| Loan loss allowance to noncurrent loans | 901.4706% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 2,624 |
| Noncurrent loans to loans | 0.1763% | 2,666 |
| Net loans and leases to total assets | 53.5100% | 3,397 |
| Net loans and leases to deposits | 60.9120% | 3,453 |
| Net loans and leases to core deposits | 64.7763% | 3,489 |
| Total domestic deposits to total assets | 87.8400% | 1,631 |
| Equity capital to assets | 10.1015% | 1,768 |
| Core capital (leverage) ratio | 14.8782% | 647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $571,696,500 | 1,550 |
| Average earning assets | $523,431,000 | 1,564 |
| Average equity | $61,348,250 | 1,360 |
| Average total loans | $301,546,250 | 1,787 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 2,807 |
| Cost of funding earning assets | 1.3240% | 1,647 |
| Net interest margin | 3.1065% | 3,211 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.8862% | 1,241 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.5437% | 3,716 |
| Return on assets (ROA) | 0.5437% | 3,723 |
| Pretax return on assets | 0.6160% | 3,769 |
| Return on Equity (ROE) | 4.9700% | 3,878 |
| Retained earnings to average equity (ytd only) | -0.2074% | 4,129 |
| Net charge-offs to loans | -0.0033% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.6306% | 734 |
| Assets per employee ($millions) | 4.0980% | 4,146 |
| Cash dividends to net income (ytd only)* | 104.1720% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 941 |
| Loan loss allowance to noncurrent loans | 845.6294% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 2,383 |
| Noncurrent loans to loans | 0.1887% | 2,523 |
| Net loans and leases to total assets | 51.6300% | 3,439 |
| Net loans and leases to deposits | 58.8779% | 3,490 |
| Net loans and leases to core deposits | 62.2046% | 3,531 |
| Total domestic deposits to total assets | 87.6800% | 1,712 |
| Equity capital to assets | 10.8239% | 1,453 |
| Core capital (leverage) ratio | 14.8533% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $573,066,333 | 1,548 |
| Average earning assets | $525,219,667 | 1,566 |
| Average equity | $62,686,000 | 1,344 |
| Average total loans | $299,192,667 | 1,785 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3002% | 2,804 |
| Cost of funding earning assets | 1.1958% | 1,460 |
| Net interest margin | 3.1045% | 3,339 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 2.9207% | 1,194 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.5846% | 3,720 |
| Return on assets (ROA) | 0.5846% | 3,687 |
| Pretax return on assets | 0.6504% | 3,755 |
| Return on Equity (ROE) | 5.3200% | 3,845 |
| Retained earnings to average equity (ytd only) | 5.3157% | 2,949 |
| Net charge-offs to loans | 0.0417% | 942 |
| Credit loss provision to net charge-offs | 90.3226% | 1,176 |
| Earnings coverage of net charge-offs (x) | 30.8387% | 1,294 |
| Efficiency ratio | 81.3391% | 748 |
| Assets per employee ($millions) | 3.9609% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 1,043 |
| Loan loss allowance to noncurrent loans | 470.4771% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 2,272 |
| Noncurrent loans to loans | 0.3363% | 1,943 |
| Net loans and leases to total assets | 51.6100% | 3,372 |
| Net loans and leases to deposits | 59.4479% | 3,371 |
| Net loans and leases to core deposits | 63.2492% | 3,378 |
| Total domestic deposits to total assets | 86.8200% | 2,332 |
| Equity capital to assets | 11.4081% | 1,185 |
| Core capital (leverage) ratio | 15.0037% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $570,692,500 | 1,576 |
| Average earning assets | $523,505,500 | 1,587 |
| Average equity | $62,758,000 | 1,352 |
| Average total loans | $297,221,000 | 1,802 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9790% | 1,762 |
| Cost of funding earning assets | 0.5029% | 1,368 |
| Net interest margin | 3.4761% | 2,005 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.7845% | 1,347 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.8963% | 2,974 |
| Return on assets (ROA) | 0.8963% | 2,908 |
| Pretax return on assets | 1.0644% | 2,881 |
| Return on Equity (ROE) | 7.6600% | 3,469 |
| Retained earnings to average equity (ytd only) | 4.6285% | 3,203 |
| Net charge-offs to loans | 0.0987% | 739 |
| Credit loss provision to net charge-offs | 53.1690% | 1,806 |
| Earnings coverage of net charge-offs (x) | 21.8908% | 1,853 |
| Efficiency ratio | 71.8509% | 1,461 |
| Assets per employee ($millions) | 3.8845% | 4,319 |
| Cash dividends to net income (ytd only)* | 39.5458% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 1,035 |
| Loan loss allowance to noncurrent loans | 333.1893% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 1,920 |
| Noncurrent loans to loans | 0.4703% | 1,526 |
| Net loans and leases to total assets | 50.9100% | 3,440 |
| Net loans and leases to deposits | 59.7026% | 3,345 |
| Net loans and leases to core deposits | 63.4754% | 3,294 |
| Total domestic deposits to total assets | 85.2700% | 2,916 |
| Equity capital to assets | 10.5860% | 1,415 |
| Core capital (leverage) ratio | 15.0156% | 573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $569,894,800 | 1,561 |
| Average earning assets | $524,548,600 | 1,570 |
| Average equity | $66,717,400 | 1,298 |
| Average total loans | $287,608,400 | 1,778 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 1,434 |
| Cost of funding earning assets | 0.3963% | 1,319 |
| Net interest margin | 3.5246% | 1,593 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.9329% | 1,004 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8223% | 3,164 |
| Return on assets (ROA) | 0.8223% | 3,128 |
| Pretax return on assets | 0.9662% | 3,123 |
| Return on Equity (ROE) | 6.8600% | 3,619 |
| Retained earnings to average equity (ytd only) | 3.5009% | 3,619 |
| Net charge-offs to loans | 0.0863% | 697 |
| Credit loss provision to net charge-offs | 74.5946% | 1,438 |
| Earnings coverage of net charge-offs (x) | 23.0595% | 1,661 |
| Efficiency ratio | 74.6011% | 1,221 |
| Assets per employee ($millions) | 3.8867% | 4,370 |
| Cash dividends to net income (ytd only)* | 48.9610% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 1,024 |
| Loan loss allowance to noncurrent loans | 587.0486% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 2,592 |
| Noncurrent loans to loans | 0.2765% | 2,269 |
| Net loans and leases to total assets | 50.3400% | 3,430 |
| Net loans and leases to deposits | 58.3681% | 3,314 |
| Net loans and leases to core deposits | 61.5716% | 3,264 |
| Total domestic deposits to total assets | 86.2500% | 3,004 |
| Equity capital to assets | 9.8207% | 1,711 |
| Core capital (leverage) ratio | 14.5915% | 599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $569,613,750 | 1,570 |
| Average earning assets | $525,216,750 | 1,577 |
| Average equity | $68,284,750 | 1,288 |
| Average total loans | $285,678,750 | 1,785 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 1,226 |
| Cost of funding earning assets | 0.3357% | 1,390 |
| Net interest margin | 3.5017% | 1,307 |
| Noninterest income to average assets | 0.6733% | 1,451 |
| Noninterest expense to average assets | 2.7682% | 1,231 |
| Loan and lease loss provision to assets | 0.0431% | 1,789 |
| Net operating income to assets | 0.9258% | 2,465 |
| Return on assets (ROA) | 0.9258% | 2,438 |
| Pretax return on assets | 1.1025% | 2,403 |
| Return on Equity (ROE) | 7.2857% | 3,224 |
| Retained earnings to average equity (ytd only) | 3.6429% | 3,222 |
| Net charge-offs to loans | 0.1049% | 570 |
| Credit loss provision to net charge-offs | 82.5503% | 1,377 |
| Earnings coverage of net charge-offs (x) | 21.9262% | 1,515 |
| Efficiency ratio | 70.7284% | 1,860 |
| Assets per employee ($millions) | 3.8837% | 4,420 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6472% | 1,055 |
| Loan loss allowance to noncurrent loans | 573.2446% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 2,587 |
| Noncurrent loans to loans | 0.2874% | 2,315 |
| Net loans and leases to total assets | 49.5209% | 3,422 |
| Net loans and leases to deposits | 57.7808% | 3,244 |
| Net loans and leases to core deposits | 60.7337% | 3,217 |
| Total domestic deposits to total assets | 85.7047% | 3,322 |
| Equity capital to assets | 11.1655% | 1,145 |
| Core capital (leverage) ratio | 14.7356% | 509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $570,334,000 | 1,572 |
| Average earning assets | $527,795,667 | 1,590 |
| Average equity | $72,470,333 | 1,260 |
| Average total loans | $284,107,667 | 1,780 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7860% | 1,108 |
| Cost of funding earning assets | 0.3265% | 1,404 |
| Net interest margin | 3.4594% | 1,158 |
| Noninterest income to average assets | 0.6540% | 1,475 |
| Noninterest expense to average assets | 2.7787% | 1,201 |
| Loan and lease loss provision to assets | 0.0772% | 1,063 |
| Net operating income to assets | 0.8505% | 2,483 |
| Return on assets (ROA) | 0.8505% | 2,471 |
| Pretax return on assets | 1.0097% | 2,406 |
| Return on Equity (ROE) | 6.3098% | 3,245 |
| Retained earnings to average equity (ytd only) | 6.3098% | 2,138 |
| Net charge-offs to loans | 0.0496% | 795 |
| Credit loss provision to net charge-offs | 314.2857% | 652 |
| Earnings coverage of net charge-offs (x) | 44.2571% | 968 |
| Efficiency ratio | 71.8824% | 1,989 |
| Assets per employee ($millions) | 3.8676% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 1,038 |
| Loan loss allowance to noncurrent loans | 792.7869% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 2,986 |
| Noncurrent loans to loans | 0.2157% | 2,742 |
| Net loans and leases to total assets | 48.8904% | 3,292 |
| Net loans and leases to deposits | 57.1344% | 3,162 |
| Net loans and leases to core deposits | 60.2048% | 3,125 |
| Total domestic deposits to total assets | 85.5709% | 3,395 |
| Equity capital to assets | 12.5264% | 797 |
| Core capital (leverage) ratio | 14.5785% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $570,046,500 | 1,579 |
| Average earning assets | $529,219,500 | 1,593 |
| Average equity | $76,833,000 | 1,235 |
| Average total loans | $282,434,500 | 1,778 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2836% | 868 |
| Cost of funding earning assets | 0.4255% | 1,354 |
| Net interest margin | 3.8580% | 906 |
| Noninterest income to average assets | 0.6583% | 1,912 |
| Noninterest expense to average assets | 2.7185% | 1,580 |
| Loan and lease loss provision to assets | 0.1393% | 869 |
| Net operating income to assets | 1.1492% | 2,114 |
| Return on assets (ROA) | 1.1492% | 2,169 |
| Pretax return on assets | 1.3997% | 2,054 |
| Return on Equity (ROE) | 7.8863% | 3,249 |
| Retained earnings to average equity (ytd only) | 6.5044% | 2,126 |
| Net charge-offs to loans | 0.1791% | 539 |
| Credit loss provision to net charge-offs | 154.8902% | 1,472 |
| Earnings coverage of net charge-offs (x) | 17.1158% | 1,954 |
| Efficiency ratio | 63.8521% | 2,586 |
| Assets per employee ($millions) | 3.8359% | 4,481 |
| Cash dividends to net income (ytd only)* | 17.5230% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 1,076 |
| Loan loss allowance to noncurrent loans | 961.8182% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 3,250 |
| Noncurrent loans to loans | 0.1755% | 3,072 |
| Net loans and leases to total assets | 48.5188% | 3,449 |
| Net loans and leases to deposits | 58.1560% | 3,240 |
| Net loans and leases to core deposits | 61.5503% | 3,203 |
| Total domestic deposits to total assets | 83.4287% | 3,716 |
| Equity capital to assets | 14.4254% | 590 |
| Core capital (leverage) ratio | 14.4457% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $557,186,800 | 1,550 |
| Average earning assets | $519,802,200 | 1,545 |
| Average equity | $81,191,800 | 1,196 |
| Average total loans | $279,772,400 | 1,786 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2574% | 1,019 |
| Cost of funding earning assets | 0.4399% | 1,420 |
| Net interest margin | 3.8174% | 1,081 |
| Noninterest income to average assets | 0.6715% | 1,925 |
| Noninterest expense to average assets | 2.7189% | 1,535 |
| Loan and lease loss provision to assets | 0.1382% | 825 |
| Net operating income to assets | 1.1327% | 2,428 |
| Return on assets (ROA) | 1.1327% | 2,493 |
| Pretax return on assets | 1.3776% | 2,412 |
| Return on Equity (ROE) | 7.7531% | 3,473 |
| Retained earnings to average equity (ytd only) | 6.0699% | 2,787 |
| Net charge-offs to loans | 0.1839% | 469 |
| Credit loss provision to net charge-offs | 149.0909% | 1,362 |
| Earnings coverage of net charge-offs (x) | 16.3481% | 1,836 |
| Efficiency ratio | 64.2041% | 2,357 |
| Assets per employee ($millions) | 3.8989% | 4,505 |
| Cash dividends to net income (ytd only)* | 21.7095% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6708% | 1,172 |
| Loan loss allowance to noncurrent loans | 1,273.8420% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 3,278 |
| Noncurrent loans to loans | 0.1312% | 3,452 |
| Net loans and leases to total assets | 48.6662% | 3,557 |
| Net loans and leases to deposits | 58.4884% | 3,368 |
| Net loans and leases to core deposits | 61.7552% | 3,343 |
| Total domestic deposits to total assets | 83.2066% | 3,655 |
| Equity capital to assets | 14.5756% | 626 |
| Core capital (leverage) ratio | 14.1649% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $553,594,500 | 1,574 |
| Average earning assets | $516,739,250 | 1,563 |
| Average equity | $80,877,500 | 1,216 |
| Average total loans | $279,197,250 | 1,830 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 1,237 |
| Cost of funding earning assets | 0.4529% | 1,500 |
| Net interest margin | 3.7139% | 1,317 |
| Noninterest income to average assets | 0.6440% | 2,023 |
| Noninterest expense to average assets | 2.7132% | 1,559 |
| Loan and lease loss provision to assets | 0.1386% | 878 |
| Net operating income to assets | 1.0439% | 2,742 |
| Return on assets (ROA) | 1.0439% | 2,822 |
| Pretax return on assets | 1.2589% | 2,741 |
| Return on Equity (ROE) | 7.1396% | 3,622 |
| Retained earnings to average equity (ytd only) | 5.0965% | 3,147 |
| Net charge-offs to loans | 0.2387% | 364 |
| Credit loss provision to net charge-offs | 114.4144% | 1,288 |
| Earnings coverage of net charge-offs (x) | 11.5345% | 1,756 |
| Efficiency ratio | 66.0028% | 2,153 |
| Assets per employee ($millions) | 3.9208% | 4,491 |
| Cash dividends to net income (ytd only)* | 28.6162% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 1,201 |
| Loan loss allowance to noncurrent loans | 286.4182% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 2,186 |
| Noncurrent loans to loans | 0.5711% | 1,972 |
| Net loans and leases to total assets | 48.2879% | 3,700 |
| Net loans and leases to deposits | 57.8609% | 3,558 |
| Net loans and leases to core deposits | 60.9266% | 3,549 |
| Total domestic deposits to total assets | 83.4551% | 3,591 |
| Equity capital to assets | 14.3019% | 660 |
| Core capital (leverage) ratio | 13.9271% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $549,677,000 | 1,575 |
| Average earning assets | $513,100,000 | 1,566 |
| Average equity | $80,369,000 | 1,214 |
| Average total loans | $278,993,667 | 1,842 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 1,441 |
| Cost of funding earning assets | 0.4765% | 1,546 |
| Net interest margin | 3.6021% | 1,578 |
| Noninterest income to average assets | 0.6470% | 2,039 |
| Noninterest expense to average assets | 2.7384% | 1,524 |
| Loan and lease loss provision to assets | 0.1453% | 910 |
| Net operating income to assets | 0.9428% | 2,998 |
| Return on assets (ROA) | 0.9428% | 3,084 |
| Pretax return on assets | 1.1257% | 3,048 |
| Return on Equity (ROE) | 6.3757% | 3,756 |
| Retained earnings to average equity (ytd only) | 5.8768% | 2,937 |
| Net charge-offs to loans | 0.3401% | 246 |
| Credit loss provision to net charge-offs | 82.7731% | 1,195 |
| Earnings coverage of net charge-offs (x) | 7.2395% | 1,622 |
| Efficiency ratio | 68.2981% | 1,895 |
| Assets per employee ($millions) | 3.8903% | 4,540 |
| Cash dividends to net income (ytd only)* | 7.8247% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 1,356 |
| Loan loss allowance to noncurrent loans | 313.2488% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 2,520 |
| Noncurrent loans to loans | 0.5033% | 2,346 |
| Net loans and leases to total assets | 49.8824% | 3,638 |
| Net loans and leases to deposits | 60.0210% | 3,483 |
| Net loans and leases to core deposits | 63.0996% | 3,492 |
| Total domestic deposits to total assets | 83.1081% | 3,662 |
| Equity capital to assets | 14.2734% | 613 |
| Core capital (leverage) ratio | 14.4298% | 574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $542,220,000 | 1,581 |
| Average earning assets | $506,150,500 | 1,572 |
| Average equity | $80,180,000 | 1,207 |
| Average total loans | $279,909,000 | 1,837 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5218% | 1,259 |
| Cost of funding earning assets | 0.6636% | 1,908 |
| Net interest margin | 3.8582% | 1,338 |
| Noninterest income to average assets | 0.6046% | 2,204 |
| Noninterest expense to average assets | 2.8330% | 1,856 |
| Loan and lease loss provision to assets | 0.1194% | 2,872 |
| Net operating income to assets | 1.0251% | 2,198 |
| Return on assets (ROA) | 1.0251% | 2,338 |
| Pretax return on assets | 1.2387% | 2,197 |
| Return on Equity (ROE) | 6.4783% | 3,417 |
| Retained earnings to average equity (ytd only) | 2.3751% | 3,675 |
| Net charge-offs to loans | 0.2429% | 712 |
| Credit loss provision to net charge-offs | 86.7540% | 2,952 |
| Earnings coverage of net charge-offs (x) | 9.8675% | 2,501 |
| Efficiency ratio | 67.5956% | 2,281 |
| Assets per employee ($millions) | 3.7456% | 4,541 |
| Cash dividends to net income (ytd only)* | 63.3379% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6144% | 1,255 |
| Loan loss allowance to noncurrent loans | 319.0612% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 2,631 |
| Noncurrent loans to loans | 0.5060% | 2,457 |
| Net loans and leases to total assets | 51.7650% | 3,680 |
| Net loans and leases to deposits | 63.2801% | 3,494 |
| Net loans and leases to core deposits | 66.5871% | 3,496 |
| Total domestic deposits to total assets | 81.8030% | 3,709 |
| Equity capital to assets | 15.3288% | 513 |
| Core capital (leverage) ratio | 14.8006% | 534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $499,161,200 | 1,553 |
| Average earning assets | $463,993,800 | 1,554 |
| Average equity | $78,986,600 | 1,170 |
| Average total loans | $282,832,800 | 1,756 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6318% | 1,225 |
| Cost of funding earning assets | 0.6943% | 2,056 |
| Net interest margin | 3.9375% | 1,262 |
| Noninterest income to average assets | 0.6093% | 2,138 |
| Noninterest expense to average assets | 2.9272% | 1,625 |
| Loan and lease loss provision to assets | 0.1193% | 2,831 |
| Net operating income to assets | 0.9999% | 2,341 |
| Return on assets (ROA) | 0.9999% | 2,470 |
| Pretax return on assets | 1.2210% | 2,319 |
| Return on Equity (ROE) | 6.2661% | 3,462 |
| Retained earnings to average equity (ytd only) | 4.1581% | 2,963 |
| Net charge-offs to loans | 0.3023% | 517 |
| Credit loss provision to net charge-offs | 68.3230% | 2,821 |
| Earnings coverage of net charge-offs (x) | 7.6786% | 2,558 |
| Efficiency ratio | 68.5932% | 2,096 |
| Assets per employee ($millions) | 3.7454% | 4,522 |
| Cash dividends to net income (ytd only)* | 33.6406% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 1,234 |
| Loan loss allowance to noncurrent loans | 256.6315% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 2,396 |
| Noncurrent loans to loans | 0.6041% | 2,291 |
| Net loans and leases to total assets | 54.1232% | 3,791 |
| Net loans and leases to deposits | 66.4668% | 3,578 |
| Net loans and leases to core deposits | 70.1350% | 3,614 |
| Total domestic deposits to total assets | 81.4290% | 3,556 |
| Equity capital to assets | 15.9030% | 479 |
| Core capital (leverage) ratio | 15.1244% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $491,920,250 | 1,557 |
| Average earning assets | $457,029,750 | 1,555 |
| Average equity | $78,494,500 | 1,168 |
| Average total loans | $284,073,500 | 1,746 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7213% | 1,361 |
| Cost of funding earning assets | 0.7404% | 2,176 |
| Net interest margin | 3.9808% | 1,372 |
| Noninterest income to average assets | 0.5907% | 2,165 |
| Noninterest expense to average assets | 2.9089% | 1,803 |
| Loan and lease loss provision to assets | 0.1176% | 2,845 |
| Net operating income to assets | 1.0061% | 2,296 |
| Return on assets (ROA) | 1.0061% | 2,424 |
| Pretax return on assets | 1.2589% | 2,155 |
| Return on Equity (ROE) | 6.2975% | 3,403 |
| Retained earnings to average equity (ytd only) | 3.6097% | 3,116 |
| Net charge-offs to loans | 0.2192% | 707 |
| Credit loss provision to net charge-offs | 91.3462% | 2,456 |
| Earnings coverage of net charge-offs (x) | 10.6955% | 2,137 |
| Efficiency ratio | 67.8795% | 2,249 |
| Assets per employee ($millions) | 3.7984% | 4,467 |
| Cash dividends to net income (ytd only)* | 42.6814% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 1,018 |
| Loan loss allowance to noncurrent loans | 256.7720% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5026% | 2,330 |
| Noncurrent loans to loans | 0.6213% | 2,304 |
| Net loans and leases to total assets | 55.5589% | 3,727 |
| Net loans and leases to deposits | 68.1671% | 3,549 |
| Net loans and leases to core deposits | 71.7430% | 3,604 |
| Total domestic deposits to total assets | 81.5040% | 3,497 |
| Equity capital to assets | 15.7535% | 500 |
| Core capital (leverage) ratio | 15.1501% | 548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $484,855,000 | 1,544 |
| Average earning assets | $450,006,333 | 1,540 |
| Average equity | $77,459,000 | 1,170 |
| Average total loans | $284,735,333 | 1,728 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8701% | 1,267 |
| Cost of funding earning assets | 0.8405% | 2,166 |
| Net interest margin | 4.0296% | 1,313 |
| Noninterest income to average assets | 0.6025% | 2,030 |
| Noninterest expense to average assets | 3.1145% | 1,601 |
| Loan and lease loss provision to assets | 0.1095% | 2,307 |
| Net operating income to assets | 0.9151% | 2,466 |
| Return on assets (ROA) | 0.9151% | 2,576 |
| Pretax return on assets | 1.1115% | 2,473 |
| Return on Equity (ROE) | 5.6862% | 3,427 |
| Retained earnings to average equity (ytd only) | 5.1626% | 2,208 |
| Net charge-offs to loans | 0.3304% | 443 |
| Credit loss provision to net charge-offs | 55.3191% | 2,038 |
| Earnings coverage of net charge-offs (x) | 6.1660% | 2,002 |
| Efficiency ratio | 71.8367% | 2,100 |
| Assets per employee ($millions) | 3.5302% | 4,458 |
| Cash dividends to net income (ytd only)* | 9.2081% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 1,142 |
| Loan loss allowance to noncurrent loans | 207.5174% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6242% | 2,136 |
| Noncurrent loans to loans | 0.7577% | 2,107 |
| Net loans and leases to total assets | 58.3092% | 3,646 |
| Net loans and leases to deposits | 71.6157% | 3,468 |
| Net loans and leases to core deposits | 75.4852% | 3,529 |
| Total domestic deposits to total assets | 81.4195% | 3,568 |
| Equity capital to assets | 15.9404% | 593 |
| Core capital (leverage) ratio | 15.7721% | 551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $474,687,500 | 1,520 |
| Average earning assets | $439,748,000 | 1,522 |
| Average equity | $76,396,000 | 1,181 |
| Average total loans | $284,489,000 | 1,694 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8719% | 1,841 |
| Cost of funding earning assets | 0.8557% | 2,399 |
| Net interest margin | 4.0162% | 1,805 |
| Noninterest income to average assets | 0.6551% | 1,990 |
| Noninterest expense to average assets | 2.9384% | 2,175 |
| Loan and lease loss provision to assets | 0.0873% | 2,270 |
| Net operating income to assets | 1.0838% | 2,509 |
| Return on assets (ROA) | 1.0841% | 2,601 |
| Pretax return on assets | 1.3445% | 2,350 |
| Return on Equity (ROE) | 6.8875% | 3,591 |
| Retained earnings to average equity (ytd only) | 4.5142% | 2,699 |
| Net charge-offs to loans | 0.1162% | 1,579 |
| Credit loss provision to net charge-offs | 125.9259% | 2,028 |
| Earnings coverage of net charge-offs (x) | 20.6481% | 1,927 |
| Efficiency ratio | 67.2444% | 2,573 |
| Assets per employee ($millions) | 3.4005% | 4,566 |
| Cash dividends to net income (ytd only)* | 34.4583% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6084% | 960 |
| Loan loss allowance to noncurrent loans | 200.6576% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 2,142 |
| Noncurrent loans to loans | 0.8016% | 1,910 |
| Net loans and leases to total assets | 59.6637% | 3,618 |
| Net loans and leases to deposits | 73.4022% | 3,402 |
| Net loans and leases to core deposits | 77.4863% | 3,480 |
| Total domestic deposits to total assets | 81.2832% | 3,705 |
| Equity capital to assets | 16.2511% | 561 |
| Core capital (leverage) ratio | 15.9178% | 533 |
| Tier 1 risk-based capital ratio | 22.2480% | 999 |
| Total risk-based capital ratio | 23.4996% | 971 |
| Memoranda: | ||
| Average total assets | $467,393,200 | 1,501 |
| Average earning assets | $432,297,400 | 1,494 |
| Average equity | $73,568,400 | 1,173 |
| Average total loans | $278,867,800 | 1,692 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8597% | 1,942 |
| Cost of funding earning assets | 0.8601% | 2,412 |
| Net interest margin | 3.9996% | 1,943 |
| Noninterest income to average assets | 0.6576% | 1,958 |
| Noninterest expense to average assets | 2.9637% | 2,073 |
| Loan and lease loss provision to assets | 0.0885% | 2,132 |
| Net operating income to assets | 1.0541% | 2,770 |
| Return on assets (ROA) | 1.0545% | 2,853 |
| Pretax return on assets | 1.3055% | 2,649 |
| Return on Equity (ROE) | 6.7548% | 3,790 |
| Retained earnings to average equity (ytd only) | 3.7441% | 3,522 |
| Net charge-offs to loans | 0.1365% | 1,176 |
| Credit loss provision to net charge-offs | 109.1549% | 2,105 |
| Earnings coverage of net charge-offs (x) | 17.1830% | 2,107 |
| Efficiency ratio | 68.0189% | 2,416 |
| Assets per employee ($millions) | 3.3323% | 4,642 |
| Cash dividends to net income (ytd only)* | 44.5707% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 981 |
| Loan loss allowance to noncurrent loans | 199.0749% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 2,237 |
| Noncurrent loans to loans | 0.8081% | 1,950 |
| Net loans and leases to total assets | 59.6730% | 3,706 |
| Net loans and leases to deposits | 73.7528% | 3,496 |
| Net loans and leases to core deposits | 77.4646% | 3,592 |
| Total domestic deposits to total assets | 80.9095% | 3,787 |
| Equity capital to assets | 16.2627% | 593 |
| Core capital (leverage) ratio | 15.7223% | 598 |
| Tier 1 risk-based capital ratio | 22.1807% | 1,043 |
| Total risk-based capital ratio | 23.4323% | 1,016 |
| Memoranda: | ||
| Average total assets | $466,923,000 | 1,511 |
| Average earning assets | $431,897,500 | 1,513 |
| Average equity | $72,895,000 | 1,175 |
| Average total loans | $277,444,000 | 1,714 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7855% | 2,107 |
| Cost of funding earning assets | 0.8628% | 2,333 |
| Net interest margin | 3.9228% | 2,179 |
| Noninterest income to average assets | 0.6352% | 1,995 |
| Noninterest expense to average assets | 2.8908% | 2,305 |
| Loan and lease loss provision to assets | 0.0901% | 2,046 |
| Net operating income to assets | 1.0368% | 2,777 |
| Return on assets (ROA) | 1.0368% | 2,850 |
| Pretax return on assets | 1.2846% | 2,617 |
| Return on Equity (ROE) | 6.7338% | 3,774 |
| Retained earnings to average equity (ytd only) | 2.4444% | 3,965 |
| Net charge-offs to loans | 0.1317% | 1,146 |
| Credit loss provision to net charge-offs | 115.9341% | 1,794 |
| Earnings coverage of net charge-offs (x) | 17.6813% | 1,884 |
| Efficiency ratio | 67.7717% | 2,574 |
| Assets per employee ($millions) | 3.3798% | 4,631 |
| Cash dividends to net income (ytd only)* | 63.7000% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 974 |
| Loan loss allowance to noncurrent loans | 230.9499% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.5000% | 2,553 |
| Noncurrent loans to loans | 0.7036% | 2,217 |
| Net loans and leases to total assets | 58.6958% | 3,848 |
| Net loans and leases to deposits | 72.0776% | 3,682 |
| Net loans and leases to core deposits | 75.5815% | 3,766 |
| Total domestic deposits to total assets | 81.4341% | 3,683 |
| Equity capital to assets | 15.8378% | 639 |
| Core capital (leverage) ratio | 15.3484% | 640 |
| Tier 1 risk-based capital ratio | 22.0327% | 1,048 |
| Total risk-based capital ratio | 23.2846% | 1,025 |
| Memoranda: | ||
| Average total assets | $468,167,670 | 1,515 |
| Average earning assets | $433,265,000 | 1,516 |
| Average equity | $72,084,330 | 1,182 |
| Average total loans | $276,286,000 | 1,731 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7292% | 2,123 |
| Cost of funding earning assets | 0.8573% | 2,232 |
| Net interest margin | 3.8718% | 2,277 |
| Noninterest income to average assets | 0.5842% | 2,121 |
| Noninterest expense to average assets | 3.0078% | 1,975 |
| Loan and lease loss provision to assets | 0.0878% | 1,957 |
| Net operating income to assets | 0.8792% | 3,311 |
| Return on assets (ROA) | 0.8792% | 3,361 |
| Pretax return on assets | 1.0703% | 3,239 |
| Return on Equity (ROE) | 5.7928% | 4,082 |
| Retained earnings to average equity (ytd only) | 3.5454% | 3,494 |
| Net charge-offs to loans | 0.2020% | 693 |
| Credit loss provision to net charge-offs | 74.1007% | 1,822 |
| Earnings coverage of net charge-offs (x) | 9.7698% | 1,999 |
| Efficiency ratio | 72.2006% | 2,011 |
| Assets per employee ($millions) | 3.5036% | 4,557 |
| Cash dividends to net income (ytd only)* | 38.7973% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 1,024 |
| Loan loss allowance to noncurrent loans | 260.0350% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 2,685 |
| Noncurrent loans to loans | 0.6227% | 2,459 |
| Net loans and leases to total assets | 58.1137% | 3,875 |
| Net loans and leases to deposits | 71.0581% | 3,685 |
| Net loans and leases to core deposits | 74.2105% | 3,785 |
| Total domestic deposits to total assets | 81.7833% | 3,783 |
| Equity capital to assets | 15.5404% | 642 |
| Core capital (leverage) ratio | 15.2017% | 656 |
| Tier 1 risk-based capital ratio | 22.0997% | 1,042 |
| Total risk-based capital ratio | 23.3515% | 1,016 |
| Memoranda: | ||
| Average total assets | $469,044,000 | 1,526 |
| Average earning assets | $433,902,000 | 1,523 |
| Average equity | $71,191,500 | 1,191 |
| Average total loans | $275,285,000 | 1,741 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6653% | 1,938 |
| Cost of funding earning assets | 0.7311% | 1,892 |
| Net interest margin | 3.9342% | 2,212 |
| Noninterest income to average assets | 0.6067% | 2,253 |
| Noninterest expense to average assets | 2.8197% | 2,622 |
| Loan and lease loss provision to assets | 0.0788% | 2,552 |
| Net operating income to assets | 1.0976% | 2,607 |
| Return on assets (ROA) | 1.0972% | 2,606 |
| Pretax return on assets | 1.3488% | 2,321 |
| Return on Equity (ROE) | 7.6183% | 3,607 |
| Retained earnings to average equity (ytd only) | 5.4374% | 2,514 |
| Net charge-offs to loans | 0.2078% | 921 |
| Credit loss provision to net charge-offs | 66.2500% | 3,037 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,580 |
| Efficiency ratio | 66.3798% | 2,802 |
| Assets per employee ($millions) | 3.4460% | 4,613 |
| Cash dividends to net income (ytd only)* | 28.6268% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6319% | 962 |
| Loan loss allowance to noncurrent loans | 208.2020% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.5367% | 2,447 |
| Noncurrent loans to loans | 0.7838% | 2,048 |
| Net loans and leases to total assets | 57.3644% | 4,021 |
| Net loans and leases to deposits | 72.7840% | 3,601 |
| Net loans and leases to core deposits | 75.8399% | 3,730 |
| Total domestic deposits to total assets | 78.8146% | 4,345 |
| Equity capital to assets | 14.8203% | 753 |
| Core capital (leverage) ratio | 15.0813% | 677 |
| Tier 1 risk-based capital ratio | 21.6855% | 1,070 |
| Total risk-based capital ratio | 22.9371% | 1,052 |
| Memoranda: | ||
| Average total assets | $470,553,200 | 1,488 |
| Average earning assets | $435,487,400 | 1,489 |
| Average equity | $67,771,200 | 1,194 |
| Average total loans | $269,432,600 | 1,731 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6314% | 1,897 |
| Cost of funding earning assets | 0.6974% | 1,857 |
| Net interest margin | 3.9340% | 2,181 |
| Noninterest income to average assets | 0.6080% | 2,266 |
| Noninterest expense to average assets | 2.8423% | 2,493 |
| Loan and lease loss provision to assets | 0.0783% | 2,395 |
| Net operating income to assets | 1.0853% | 2,731 |
| Return on assets (ROA) | 1.0853% | 2,739 |
| Pretax return on assets | 1.3314% | 2,498 |
| Return on Equity (ROE) | 7.5906% | 3,713 |
| Retained earnings to average equity (ytd only) | 4.6591% | 3,415 |
| Net charge-offs to loans | 0.1861% | 901 |
| Credit loss provision to net charge-offs | 73.7968% | 2,595 |
| Earnings coverage of net charge-offs (x) | 13.2915% | 2,375 |
| Efficiency ratio | 66.8467% | 2,741 |
| Assets per employee ($millions) | 3.4537% | 4,617 |
| Cash dividends to net income (ytd only)* | 38.6204% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7005% | 866 |
| Loan loss allowance to noncurrent loans | 268.6987% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 2,917 |
| Noncurrent loans to loans | 0.6329% | 2,501 |
| Net loans and leases to total assets | 56.4162% | 4,177 |
| Net loans and leases to deposits | 70.6755% | 3,868 |
| Net loans and leases to core deposits | 73.6010% | 3,971 |
| Total domestic deposits to total assets | 79.8244% | 4,155 |
| Equity capital to assets | 14.3091% | 878 |
| Core capital (leverage) ratio | 14.7369% | 772 |
| Tier 1 risk-based capital ratio | 21.6701% | 1,095 |
| Total risk-based capital ratio | 22.9223% | 1,077 |
| Memoranda: | ||
| Average total assets | $470,164,500 | 1,498 |
| Average earning assets | $435,509,250 | 1,495 |
| Average equity | $67,222,000 | 1,199 |
| Average total loans | $267,962,000 | 1,743 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 1,794 |
| Cost of funding earning assets | 0.6777% | 1,758 |
| Net interest margin | 3.9186% | 2,144 |
| Noninterest income to average assets | 0.5924% | 2,364 |
| Noninterest expense to average assets | 2.7926% | 2,680 |
| Loan and lease loss provision to assets | 0.0791% | 2,326 |
| Net operating income to assets | 1.0993% | 2,585 |
| Return on assets (ROA) | 1.0993% | 2,594 |
| Pretax return on assets | 1.3501% | 2,327 |
| Return on Equity (ROE) | 7.6905% | 3,630 |
| Retained earnings to average equity (ytd only) | 3.2934% | 3,925 |
| Net charge-offs to loans | 0.2991% | 533 |
| Credit loss provision to net charge-offs | 46.5000% | 2,513 |
| Earnings coverage of net charge-offs (x) | 8.4025% | 2,479 |
| Efficiency ratio | 66.1463% | 2,950 |
| Assets per employee ($millions) | 3.5001% | 4,598 |
| Cash dividends to net income (ytd only)* | 57.1760% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 969 |
| Loan loss allowance to noncurrent loans | 311.5760% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.4021% | 3,125 |
| Noncurrent loans to loans | 0.5344% | 2,815 |
| Net loans and leases to total assets | 55.8415% | 4,177 |
| Net loans and leases to deposits | 67.4264% | 4,058 |
| Net loans and leases to core deposits | 70.9086% | 4,086 |
| Total domestic deposits to total assets | 82.8185% | 3,461 |
| Equity capital to assets | 14.1553% | 891 |
| Core capital (leverage) ratio | 14.4315% | 799 |
| Tier 1 risk-based capital ratio | 21.2915% | 1,127 |
| Total risk-based capital ratio | 22.5435% | 1,108 |
| Memoranda: | ||
| Average total assets | $470,319,330 | 1,501 |
| Average earning assets | $435,610,670 | 1,507 |
| Average equity | $67,226,000 | 1,199 |
| Average total loans | $267,425,670 | 1,751 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5307% | 1,777 |
| Cost of funding earning assets | 0.6491% | 1,720 |
| Net interest margin | 3.8816% | 2,114 |
| Noninterest income to average assets | 0.5473% | 2,532 |
| Noninterest expense to average assets | 2.9325% | 2,246 |
| Loan and lease loss provision to assets | 0.0767% | 2,233 |
| Net operating income to assets | 0.9386% | 3,114 |
| Return on assets (ROA) | 0.9386% | 3,132 |
| Pretax return on assets | 1.1321% | 3,042 |
| Return on Equity (ROE) | 6.5345% | 3,968 |
| Retained earnings to average equity (ytd only) | 4.7540% | 3,280 |
| Net charge-offs to loans | 0.1948% | 758 |
| Credit loss provision to net charge-offs | 69.2308% | 1,835 |
| Earnings coverage of net charge-offs (x) | 10.9077% | 1,879 |
| Efficiency ratio | 70.8110% | 2,374 |
| Assets per employee ($millions) | 3.5631% | 4,593 |
| Cash dividends to net income (ytd only)* | 27.2480% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7376% | 882 |
| Loan loss allowance to noncurrent loans | 402.9514% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 3,396 |
| Noncurrent loans to loans | 0.4312% | 3,243 |
| Net loans and leases to total assets | 55.3941% | 4,171 |
| Net loans and leases to deposits | 66.5881% | 4,049 |
| Net loans and leases to core deposits | 69.9770% | 4,082 |
| Total domestic deposits to total assets | 83.1892% | 3,604 |
| Equity capital to assets | 14.1474% | 850 |
| Core capital (leverage) ratio | 14.5424% | 749 |
| Tier 1 risk-based capital ratio | 21.1928% | 1,178 |
| Total risk-based capital ratio | 22.4452% | 1,145 |
| Memoranda: | ||
| Average total assets | $469,225,500 | 1,514 |
| Average earning assets | $434,455,000 | 1,513 |
| Average equity | $67,396,500 | 1,207 |
| Average total loans | $266,977,000 | 1,761 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5085% | 1,679 |
| Cost of funding earning assets | 0.6228% | 1,449 |
| Net interest margin | 3.8857% | 2,134 |
| Noninterest income to average assets | 0.5392% | 2,779 |
| Noninterest expense to average assets | 2.8384% | 2,651 |
| Loan and lease loss provision to assets | 0.0850% | 2,504 |
| Net operating income to assets | 0.8913% | 2,763 |
| Return on assets (ROA) | 0.8916% | 2,789 |
| Pretax return on assets | 1.2203% | 2,685 |
| Return on Equity (ROE) | 6.3165% | 3,619 |
| Retained earnings to average equity (ytd only) | 4.3499% | 2,547 |
| Net charge-offs to loans | 0.1370% | 1,697 |
| Credit loss provision to net charge-offs | 110.0840% | 2,369 |
| Earnings coverage of net charge-offs (x) | 16.8936% | 2,153 |
| Efficiency ratio | 68.5065% | 2,793 |
| Assets per employee ($millions) | 3.4567% | 4,758 |
| Cash dividends to net income (ytd only)* | 31.1332% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7549% | 849 |
| Loan loss allowance to noncurrent loans | 510.0218% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 3,469 |
| Noncurrent loans to loans | 0.3441% | 3,525 |
| Net loans and leases to total assets | 56.5889% | 4,137 |
| Net loans and leases to deposits | 69.7791% | 3,898 |
| Net loans and leases to core deposits | 73.2800% | 3,941 |
| Total domestic deposits to total assets | 81.0971% | 4,100 |
| Equity capital to assets | 14.3338% | 824 |
| Core capital (leverage) ratio | 14.4898% | 736 |
| Tier 1 risk-based capital ratio | 21.1234% | 1,130 |
| Total risk-based capital ratio | 22.3762% | 1,102 |
| Memoranda: | ||
| Average total assets | $462,196,200 | 1,507 |
| Average earning assets | $428,701,200 | 1,508 |
| Average equity | $65,242,200 | 1,221 |
| Average total loans | $260,638,800 | 1,759 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4715% | 1,723 |
| Cost of funding earning assets | 0.6212% | 1,399 |
| Net interest margin | 3.8503% | 2,225 |
| Noninterest income to average assets | 0.5406% | 2,775 |
| Noninterest expense to average assets | 2.9146% | 2,353 |
| Loan and lease loss provision to assets | 0.0857% | 2,377 |
| Net operating income to assets | 0.8369% | 3,345 |
| Return on assets (ROA) | 0.8373% | 3,386 |
| Pretax return on assets | 1.1132% | 3,257 |
| Return on Equity (ROE) | 5.9548% | 4,145 |
| Retained earnings to average equity (ytd only) | 3.3212% | 3,951 |
| Net charge-offs to loans | 0.1184% | 1,602 |
| Credit loss provision to net charge-offs | 129.1304% | 1,902 |
| Earnings coverage of net charge-offs (x) | 18.0521% | 2,073 |
| Efficiency ratio | 70.8632% | 2,385 |
| Assets per employee ($millions) | 3.4775% | 4,757 |
| Cash dividends to net income (ytd only)* | 44.2261% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7928% | 863 |
| Loan loss allowance to noncurrent loans | 313.7816% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 3,206 |
| Noncurrent loans to loans | 0.5714% | 2,986 |
| Net loans and leases to total assets | 55.8197% | 4,247 |
| Net loans and leases to deposits | 68.3436% | 4,088 |
| Net loans and leases to core deposits | 71.5990% | 4,155 |
| Total domestic deposits to total assets | 81.6751% | 3,874 |
| Equity capital to assets | 14.3681% | 893 |
| Core capital (leverage) ratio | 14.0857% | 876 |
| Tier 1 risk-based capital ratio | 20.9003% | 1,212 |
| Total risk-based capital ratio | 22.1534% | 1,179 |
| Memoranda: | ||
| Average total assets | $461,945,500 | 1,516 |
| Average earning assets | $428,601,750 | 1,522 |
| Average equity | $64,954,250 | 1,232 |
| Average total loans | $259,098,250 | 1,774 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 1,744 |
| Cost of funding earning assets | 0.6136% | 1,368 |
| Net interest margin | 3.8093% | 2,256 |
| Noninterest income to average assets | 0.5297% | 2,830 |
| Noninterest expense to average assets | 2.8604% | 2,541 |
| Loan and lease loss provision to assets | 0.0849% | 2,288 |
| Net operating income to assets | 0.8410% | 3,199 |
| Return on assets (ROA) | 0.8420% | 3,241 |
| Pretax return on assets | 1.1166% | 3,105 |
| Return on Equity (ROE) | 6.0321% | 4,033 |
| Retained earnings to average equity (ytd only) | 2.3613% | 4,264 |
| Net charge-offs to loans | 0.1148% | 1,491 |
| Credit loss provision to net charge-offs | 132.4324% | 1,660 |
| Earnings coverage of net charge-offs (x) | 18.7230% | 1,865 |
| Efficiency ratio | 70.4427% | 2,593 |
| Assets per employee ($millions) | 3.4177% | 4,836 |
| Cash dividends to net income (ytd only)* | 60.8539% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8146% | 858 |
| Loan loss allowance to noncurrent loans | 301.2837% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4703% | 3,223 |
| Noncurrent loans to loans | 0.6023% | 2,921 |
| Net loans and leases to total assets | 54.2442% | 4,372 |
| Net loans and leases to deposits | 65.7336% | 4,241 |
| Net loans and leases to core deposits | 68.8363% | 4,312 |
| Total domestic deposits to total assets | 82.5214% | 3,719 |
| Equity capital to assets | 14.0348% | 954 |
| Core capital (leverage) ratio | 13.8208% | 903 |
| Tier 1 risk-based capital ratio | 20.7374% | 1,235 |
| Total risk-based capital ratio | 21.9905% | 1,208 |
| Memoranda: | ||
| Average total assets | $461,759,670 | 1,518 |
| Average earning assets | $427,999,670 | 1,525 |
| Average equity | $64,454,670 | 1,238 |
| Average total loans | $257,837,330 | 1,777 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 1,622 |
| Cost of funding earning assets | 0.5910% | 1,436 |
| Net interest margin | 3.8176% | 2,059 |
| Noninterest income to average assets | 0.5382% | 2,717 |
| Noninterest expense to average assets | 3.0070% | 2,150 |
| Loan and lease loss provision to assets | 0.0907% | 2,029 |
| Net operating income to assets | 0.7668% | 3,391 |
| Return on assets (ROA) | 0.7668% | 3,444 |
| Pretax return on assets | 0.9736% | 3,485 |
| Return on Equity (ROE) | 5.5088% | 4,143 |
| Retained earnings to average equity (ytd only) | 4.2554% | 3,313 |
| Net charge-offs to loans | 0.1305% | 1,139 |
| Credit loss provision to net charge-offs | 123.8095% | 1,359 |
| Earnings coverage of net charge-offs (x) | 14.5238% | 1,720 |
| Efficiency ratio | 73.8590% | 2,255 |
| Assets per employee ($millions) | 3.4228% | 4,902 |
| Cash dividends to net income (ytd only)* | 22.7531% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 916 |
| Loan loss allowance to noncurrent loans | 376.2903% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 3,629 |
| Noncurrent loans to loans | 0.4849% | 3,351 |
| Net loans and leases to total assets | 53.5390% | 4,376 |
| Net loans and leases to deposits | 64.9757% | 4,254 |
| Net loans and leases to core deposits | 68.0211% | 4,296 |
| Total domestic deposits to total assets | 82.3984% | 4,059 |
| Equity capital to assets | 13.7295% | 996 |
| Core capital (leverage) ratio | 14.1697% | 798 |
| Tier 1 risk-based capital ratio | 20.7862% | 1,248 |
| Total risk-based capital ratio | 22.0393% | 1,227 |
| Memoranda: | ||
| Average total assets | $458,528,000 | 1,539 |
| Average earning assets | $424,351,500 | 1,548 |
| Average equity | $63,825,000 | 1,243 |
| Average total loans | $257,417,000 | 1,790 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 1,465 |
| Cost of funding earning assets | 0.5953% | 1,371 |
| Net interest margin | 3.9287% | 1,862 |
| Noninterest income to average assets | 0.6091% | 2,614 |
| Noninterest expense to average assets | 2.9971% | 2,365 |
| Loan and lease loss provision to assets | 0.0878% | 2,606 |
| Net operating income to assets | 0.9060% | 2,789 |
| Return on assets (ROA) | 0.9382% | 2,750 |
| Pretax return on assets | 1.2009% | 2,670 |
| Return on Equity (ROE) | 6.6038% | 3,688 |
| Retained earnings to average equity (ytd only) | 4.5877% | 2,652 |
| Net charge-offs to loans | 0.2177% | 1,273 |
| Credit loss provision to net charge-offs | 71.1712% | 3,116 |
| Earnings coverage of net charge-offs (x) | 10.1063% | 2,676 |
| Efficiency ratio | 70.6120% | 2,808 |
| Assets per employee ($millions) | 3.2951% | 5,051 |
| Cash dividends to net income (ytd only)* | 30.5286% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7931% | 956 |
| Loan loss allowance to noncurrent loans | 440.7970% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 3,836 |
| Noncurrent loans to loans | 0.4068% | 3,690 |
| Net loans and leases to total assets | 56.7835% | 4,192 |
| Net loans and leases to deposits | 68.5549% | 4,048 |
| Net loans and leases to core deposits | 71.7203% | 4,098 |
| Total domestic deposits to total assets | 82.8292% | 3,824 |
| Equity capital to assets | 14.1184% | 851 |
| Core capital (leverage) ratio | 14.3157% | 731 |
| Tier 1 risk-based capital ratio | 20.6748% | 1,262 |
| Total risk-based capital ratio | 21.9279% | 1,231 |
| Memoranda: | ||
| Average total assets | $449,667,800 | 1,509 |
| Average earning assets | $416,094,200 | 1,509 |
| Average equity | $63,887,800 | 1,230 |
| Average total loans | $254,945,200 | 1,767 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 1,383 |
| Cost of funding earning assets | 0.5955% | 1,367 |
| Net interest margin | 3.9645% | 1,766 |
| Noninterest income to average assets | 0.5439% | 2,946 |
| Noninterest expense to average assets | 2.9557% | 2,441 |
| Loan and lease loss provision to assets | 0.1102% | 2,089 |
| Net operating income to assets | 0.8840% | 2,991 |
| Return on assets (ROA) | 0.9264% | 2,905 |
| Pretax return on assets | 1.2034% | 2,822 |
| Return on Equity (ROE) | 6.5101% | 3,835 |
| Retained earnings to average equity (ytd only) | 3.8286% | 3,583 |
| Net charge-offs to loans | 0.2248% | 1,043 |
| Credit loss provision to net charge-offs | 86.9159% | 2,580 |
| Earnings coverage of net charge-offs (x) | 9.9253% | 2,633 |
| Efficiency ratio | 70.1371% | 2,866 |
| Assets per employee ($millions) | 3.2098% | 5,164 |
| Cash dividends to net income (ytd only)* | 41.1896% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 921 |
| Loan loss allowance to noncurrent loans | 591.5318% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 3,727 |
| Noncurrent loans to loans | 0.3133% | 4,130 |
| Net loans and leases to total assets | 55.9799% | 4,308 |
| Net loans and leases to deposits | 68.0827% | 4,142 |
| Net loans and leases to core deposits | 71.2296% | 4,230 |
| Total domestic deposits to total assets | 82.2234% | 3,870 |
| Equity capital to assets | 14.5225% | 869 |
| Core capital (leverage) ratio | 13.9366% | 870 |
| Tier 1 risk-based capital ratio | 20.5899% | 1,340 |
| Total risk-based capital ratio | 21.8435% | 1,308 |
| Memoranda: | ||
| Average total assets | $450,051,750 | 1,509 |
| Average earning assets | $416,650,750 | 1,512 |
| Average equity | $64,042,500 | 1,232 |
| Average total loans | $253,903,750 | 1,773 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5539% | 1,374 |
| Cost of funding earning assets | 0.5977% | 1,335 |
| Net interest margin | 3.9562% | 1,787 |
| Noninterest income to average assets | 0.5379% | 2,967 |
| Noninterest expense to average assets | 2.8800% | 2,743 |
| Loan and lease loss provision to assets | 0.1226% | 1,855 |
| Net operating income to assets | 0.9266% | 2,735 |
| Return on assets (ROA) | 0.9270% | 2,869 |
| Pretax return on assets | 1.1961% | 2,793 |
| Return on Equity (ROE) | 6.5591% | 3,775 |
| Retained earnings to average equity (ytd only) | 2.5111% | 4,284 |
| Net charge-offs to loans | 0.2813% | 846 |
| Credit loss provision to net charge-offs | 77.5281% | 2,388 |
| Earnings coverage of net charge-offs (x) | 8.3371% | 2,522 |
| Efficiency ratio | 68.5992% | 3,226 |
| Assets per employee ($millions) | 3.1737% | 5,243 |
| Cash dividends to net income (ytd only)* | 61.7154% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8558% | 972 |
| Loan loss allowance to noncurrent loans | 401.1885% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 3,550 |
| Noncurrent loans to loans | 0.4626% | 3,711 |
| Net loans and leases to total assets | 55.0722% | 4,405 |
| Net loans and leases to deposits | 66.4432% | 4,315 |
| Net loans and leases to core deposits | 69.5985% | 4,356 |
| Total domestic deposits to total assets | 82.8861% | 3,698 |
| Equity capital to assets | 14.2830% | 935 |
| Core capital (leverage) ratio | 13.6743% | 917 |
| Tier 1 risk-based capital ratio | 20.2536% | 1,399 |
| Total risk-based capital ratio | 21.5071% | 1,367 |
| Memoranda: | ||
| Average total assets | $450,278,330 | 1,520 |
| Average earning assets | $416,613,670 | 1,513 |
| Average equity | $63,636,670 | 1,240 |
| Average total loans | $253,102,330 | 1,780 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 1,357 |
| Cost of funding earning assets | 0.5996% | 1,340 |
| Net interest margin | 3.9622% | 1,736 |
| Noninterest income to average assets | 0.5191% | 2,993 |
| Noninterest expense to average assets | 2.9824% | 2,449 |
| Loan and lease loss provision to assets | 0.1177% | 1,790 |
| Net operating income to assets | 0.8626% | 2,935 |
| Return on assets (ROA) | 0.8633% | 3,041 |
| Pretax return on assets | 1.0854% | 3,147 |
| Return on Equity (ROE) | 6.1417% | 3,910 |
| Retained earnings to average equity (ytd only) | 5.5073% | 2,642 |
| Net charge-offs to loans | 0.4930% | 449 |
| Credit loss provision to net charge-offs | 42.4437% | 2,127 |
| Earnings coverage of net charge-offs (x) | 4.3344% | 2,446 |
| Efficiency ratio | 71.2702% | 2,908 |
| Assets per employee ($millions) | 3.2238% | 5,238 |
| Cash dividends to net income (ytd only)* | 10.3306% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8297% | 1,092 |
| Loan loss allowance to noncurrent loans | 426.4516% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 3,538 |
| Noncurrent loans to loans | 0.4291% | 3,907 |
| Net loans and leases to total assets | 55.0044% | 4,353 |
| Net loans and leases to deposits | 66.1284% | 4,240 |
| Net loans and leases to core deposits | 69.1021% | 4,309 |
| Total domestic deposits to total assets | 83.1782% | 3,830 |
| Equity capital to assets | 14.1260% | 937 |
| Core capital (leverage) ratio | 13.7760% | 876 |
| Tier 1 risk-based capital ratio | 20.3959% | 1,425 |
| Total risk-based capital ratio | 21.6493% | 1,398 |
| Memoranda: | ||
| Average total assets | $448,497,000 | 1,532 |
| Average earning assets | $414,919,500 | 1,526 |
| Average equity | $63,044,000 | 1,244 |
| Average total loans | $252,320,500 | 1,783 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 1,633 |
| Cost of funding earning assets | 0.6267% | 1,201 |
| Net interest margin | 3.8615% | 2,156 |
| Noninterest income to average assets | 0.5215% | 3,187 |
| Noninterest expense to average assets | 2.9037% | 2,848 |
| Loan and lease loss provision to assets | 0.1034% | 2,259 |
| Net operating income to assets | 0.8928% | 2,913 |
| Return on assets (ROA) | 0.9066% | 2,915 |
| Pretax return on assets | 1.1034% | 3,039 |
| Return on Equity (ROE) | 6.7440% | 3,656 |
| Retained earnings to average equity (ytd only) | 5.2368% | 2,252 |
| Net charge-offs to loans | 0.1029% | 2,385 |
| Credit loss provision to net charge-offs | 181.7121% | 1,502 |
| Earnings coverage of net charge-offs (x) | 20.9105% | 1,845 |
| Efficiency ratio | 70.9309% | 3,082 |
| Assets per employee ($millions) | 3.2062% | 5,287 |
| Cash dividends to net income (ytd only)* | 22.3498% | 3,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9089% | 940 |
| Loan loss allowance to noncurrent loans | 261.9074% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 2,909 |
| Noncurrent loans to loans | 0.7289% | 2,998 |
| Net loans and leases to total assets | 55.4132% | 4,348 |
| Net loans and leases to deposits | 66.4695% | 4,274 |
| Net loans and leases to core deposits | 69.4414% | 4,339 |
| Total domestic deposits to total assets | 83.3664% | 3,721 |
| Equity capital to assets | 13.9866% | 933 |
| Core capital (leverage) ratio | 13.7778% | 887 |
| Tier 1 risk-based capital ratio | 20.2694% | 1,432 |
| Total risk-based capital ratio | 21.5237% | 1,408 |
| Memoranda: | ||
| Average total assets | $451,597,800 | 1,486 |
| Average earning assets | $417,769,800 | 1,478 |
| Average equity | $60,705,400 | 1,247 |
| Average total loans | $249,759,200 | 1,733 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4825% | 1,651 |
| Cost of funding earning assets | 0.6352% | 1,176 |
| Net interest margin | 3.8473% | 2,204 |
| Noninterest income to average assets | 0.5182% | 3,241 |
| Noninterest expense to average assets | 2.8365% | 3,052 |
| Loan and lease loss provision to assets | 0.1209% | 1,884 |
| Net operating income to assets | 0.9157% | 2,889 |
| Return on assets (ROA) | 0.9340% | 2,880 |
| Pretax return on assets | 1.1441% | 3,042 |
| Return on Equity (ROE) | 7.0182% | 3,606 |
| Retained earnings to average equity (ytd only) | 4.9950% | 2,924 |
| Net charge-offs to loans | 0.0781% | 2,435 |
| Credit loss provision to net charge-offs | 281.5068% | 1,024 |
| Earnings coverage of net charge-offs (x) | 28.9249% | 1,535 |
| Efficiency ratio | 69.5354% | 3,285 |
| Assets per employee ($millions) | 3.2460% | 5,226 |
| Cash dividends to net income (ytd only)* | 28.8280% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9409% | 997 |
| Loan loss allowance to noncurrent loans | 803.4711% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 4,306 |
| Noncurrent loans to loans | 0.2416% | 4,709 |
| Net loans and leases to total assets | 54.8246% | 4,481 |
| Net loans and leases to deposits | 65.9505% | 4,392 |
| Net loans and leases to core deposits | 69.0203% | 4,456 |
| Total domestic deposits to total assets | 83.1298% | 3,766 |
| Equity capital to assets | 13.7555% | 1,122 |
| Core capital (leverage) ratio | 13.4834% | 1,022 |
| Tier 1 risk-based capital ratio | 19.8615% | 1,588 |
| Total risk-based capital ratio | 21.1160% | 1,546 |
| Memoranda: | ||
| Average total assets | $453,081,500 | 1,487 |
| Average earning assets | $419,367,500 | 1,488 |
| Average equity | $60,298,500 | 1,268 |
| Average total loans | $249,258,500 | 1,740 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4372% | 1,725 |
| Cost of funding earning assets | 0.6518% | 1,090 |
| Net interest margin | 3.7854% | 2,381 |
| Noninterest income to average assets | 0.5097% | 3,309 |
| Noninterest expense to average assets | 2.8686% | 3,005 |
| Loan and lease loss provision to assets | 0.1179% | 1,881 |
| Net operating income to assets | 0.8673% | 3,056 |
| Return on assets (ROA) | 0.8954% | 3,028 |
| Pretax return on assets | 1.0607% | 3,338 |
| Return on Equity (ROE) | 6.8027% | 3,728 |
| Retained earnings to average equity (ytd only) | 3.7455% | 3,628 |
| Net charge-offs to loans | 0.0611% | 2,507 |
| Credit loss provision to net charge-offs | 352.6316% | 822 |
| Earnings coverage of net charge-offs (x) | 34.2632% | 1,249 |
| Efficiency ratio | 71.4693% | 3,073 |
| Assets per employee ($millions) | 3.2553% | 5,235 |
| Cash dividends to net income (ytd only)* | 44.9411% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9208% | 1,122 |
| Loan loss allowance to noncurrent loans | 595.5224% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.4617% | 4,086 |
| Noncurrent loans to loans | 0.3225% | 4,540 |
| Net loans and leases to total assets | 54.8208% | 4,474 |
| Net loans and leases to deposits | 65.6353% | 4,372 |
| Net loans and leases to core deposits | 69.1356% | 4,399 |
| Total domestic deposits to total assets | 83.5234% | 3,752 |
| Equity capital to assets | 13.3735% | 1,230 |
| Core capital (leverage) ratio | 13.1107% | 1,130 |
| Tier 1 risk-based capital ratio | 19.4152% | 1,692 |
| Total risk-based capital ratio | 20.6691% | 1,658 |
| Memoranda: | ||
| Average total assets | $454,793,670 | 1,494 |
| Average earning assets | $420,985,670 | 1,491 |
| Average equity | $59,859,000 | 1,285 |
| Average total loans | $248,863,000 | 1,749 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 1,744 |
| Cost of funding earning assets | 0.7150% | 794 |
| Net interest margin | 3.6915% | 2,652 |
| Noninterest income to average assets | 0.5121% | 3,211 |
| Noninterest expense to average assets | 2.6776% | 3,666 |
| Loan and lease loss provision to assets | 0.1172% | 1,762 |
| Net operating income to assets | 0.9766% | 2,354 |
| Return on assets (ROA) | 0.9766% | 2,491 |
| Pretax return on assets | 1.1491% | 2,871 |
| Return on Equity (ROE) | 7.2387% | 3,374 |
| Retained earnings to average equity (ytd only) | 7.2387% | 1,892 |
| Net charge-offs to loans | 0.0761% | 1,944 |
| Credit loss provision to net charge-offs | 286.4865% | 840 |
| Earnings coverage of net charge-offs (x) | 30.9459% | 1,132 |
| Efficiency ratio | 67.8912% | 3,846 |
| Assets per employee ($millions) | 3.6987% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9030% | 1,276 |
| Loan loss allowance to noncurrent loans | 347.2795% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6275% | 3,606 |
| Noncurrent loans to loans | 0.5480% | 3,939 |
| Net loans and leases to total assets | 51.5951% | 4,699 |
| Net loans and leases to deposits | 62.2422% | 4,556 |
| Net loans and leases to core deposits | 66.0046% | 4,519 |
| Total domestic deposits to total assets | 82.8942% | 4,206 |
| Equity capital to assets | 13.4156% | 1,210 |
| Core capital (leverage) ratio | 13.1710% | 1,102 |
| Tier 1 risk-based capital ratio | 19.6004% | 1,711 |
| Total risk-based capital ratio | 20.8537% | 1,674 |
| Memoranda: | ||
| Average total assets | $361,670,500 | 1,834 |
| Average earning assets | $336,231,000 | 1,831 |
| Average equity | $48,793,000 | 1,545 |
| Average total loans | $194,598,000 | 2,131 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 1,608 |
| Cost of funding earning assets | 0.7596% | 803 |
| Net interest margin | 3.8230% | 2,538 |
| Noninterest income to average assets | 0.5547% | 3,149 |
| Noninterest expense to average assets | 2.8095% | 3,444 |
| Loan and lease loss provision to assets | 0.1439% | 1,842 |
| Net operating income to assets | 0.9764% | 2,498 |
| Return on assets (ROA) | 0.9761% | 2,576 |
| Pretax return on assets | 1.1356% | 2,946 |
| Return on Equity (ROE) | 7.5923% | 3,329 |
| Retained earnings to average equity (ytd only) | 6.4202% | 1,700 |
| Net charge-offs to loans | 0.2133% | 1,961 |
| Credit loss provision to net charge-offs | 123.7164% | 1,935 |
| Earnings coverage of net charge-offs (x) | 11.0049% | 2,559 |
| Efficiency ratio | 68.7039% | 3,769 |
| Assets per employee ($millions) | 3.4997% | 4,901 |
| Cash dividends to net income (ytd only)* | 15.4384% | 3,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8664% | 1,387 |
| Loan loss allowance to noncurrent loans | 273.1579% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.7144% | 3,433 |
| Noncurrent loans to loans | 0.6833% | 3,635 |
| Net loans and leases to total assets | 54.0430% | 4,576 |
| Net loans and leases to deposits | 65.3876% | 4,390 |
| Net loans and leases to core deposits | 69.6065% | 4,358 |
| Total domestic deposits to total assets | 82.6501% | 4,199 |
| Equity capital to assets | 13.5699% | 1,125 |
| Core capital (leverage) ratio | 13.2202% | 1,050 |
| Tier 1 risk-based capital ratio | 19.5513% | 1,707 |
| Total risk-based capital ratio | 20.8046% | 1,668 |
| Memoranda: | ||
| Average total assets | $351,702,400 | 1,851 |
| Average earning assets | $325,164,200 | 1,845 |
| Average equity | $45,216,800 | 1,592 |
| Average total loans | $191,780,200 | 2,099 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5936% | 1,580 |
| Cost of funding earning assets | 0.7655% | 818 |
| Net interest margin | 3.8280% | 2,514 |
| Noninterest income to average assets | 0.5743% | 3,035 |
| Noninterest expense to average assets | 2.7629% | 3,597 |
| Loan and lease loss provision to assets | 0.1894% | 1,287 |
| Net operating income to assets | 0.9918% | 2,488 |
| Return on assets (ROA) | 0.9915% | 2,552 |
| Pretax return on assets | 1.1577% | 2,957 |
| Return on Equity (ROE) | 7.8208% | 3,303 |
| Retained earnings to average equity (ytd only) | 6.2339% | 2,259 |
| Net charge-offs to loans | 0.2428% | 1,583 |
| Credit loss provision to net charge-offs | 143.3908% | 1,643 |
| Earnings coverage of net charge-offs (x) | 10.2011% | 2,574 |
| Efficiency ratio | 67.2177% | 4,004 |
| Assets per employee ($millions) | 3.4667% | 4,924 |
| Cash dividends to net income (ytd only)* | 20.2910% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9100% | 1,430 |
| Loan loss allowance to noncurrent loans | 341.0731% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6012% | 4,043 |
| Noncurrent loans to loans | 0.5600% | 4,238 |
| Net loans and leases to total assets | 53.5502% | 4,630 |
| Net loans and leases to deposits | 65.7412% | 4,358 |
| Net loans and leases to core deposits | 70.0806% | 4,313 |
| Total domestic deposits to total assets | 81.4561% | 4,677 |
| Equity capital to assets | 13.2201% | 1,319 |
| Core capital (leverage) ratio | 12.9706% | 1,192 |
| Tier 1 risk-based capital ratio | 19.2430% | 1,844 |
| Total risk-based capital ratio | 20.4964% | 1,814 |
| Memoranda: | ||
| Average total assets | $351,261,250 | 1,868 |
| Average earning assets | $324,475,250 | 1,861 |
| Average equity | $44,529,750 | 1,621 |
| Average total loans | $191,061,000 | 2,119 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 1,531 |
| Cost of funding earning assets | 0.7749% | 809 |
| Net interest margin | 3.8255% | 2,462 |
| Noninterest income to average assets | 0.5632% | 3,026 |
| Noninterest expense to average assets | 2.7864% | 3,556 |
| Loan and lease loss provision to assets | 0.1900% | 1,281 |
| Net operating income to assets | 0.9666% | 2,469 |
| Return on assets (ROA) | 0.9661% | 2,562 |
| Pretax return on assets | 1.1133% | 3,043 |
| Return on Equity (ROE) | 7.7322% | 3,242 |
| Retained earnings to average equity (ytd only) | 5.3116% | 2,751 |
| Net charge-offs to loans | 0.2542% | 1,538 |
| Credit loss provision to net charge-offs | 137.6033% | 1,548 |
| Earnings coverage of net charge-offs (x) | 9.4421% | 2,358 |
| Efficiency ratio | 68.1222% | 3,983 |
| Assets per employee ($millions) | 3.4248% | 5,007 |
| Cash dividends to net income (ytd only)* | 31.3054% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9038% | 1,581 |
| Loan loss allowance to noncurrent loans | 510.8451% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 4,438 |
| Noncurrent loans to loans | 0.3727% | 4,876 |
| Net loans and leases to total assets | 52.4704% | 4,697 |
| Net loans and leases to deposits | 64.4399% | 4,449 |
| Net loans and leases to core deposits | 68.9349% | 4,370 |
| Total domestic deposits to total assets | 81.4254% | 4,833 |
| Equity capital to assets | 12.7935% | 1,494 |
| Core capital (leverage) ratio | 12.7188% | 1,279 |
| Tier 1 risk-based capital ratio | 18.8634% | 1,955 |
| Total risk-based capital ratio | 20.1168% | 1,919 |
| Memoranda: | ||
| Average total assets | $350,482,000 | 1,871 |
| Average earning assets | $323,146,330 | 1,860 |
| Average equity | $43,791,000 | 1,640 |
| Average total loans | $190,401,330 | 2,122 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6277% | 1,433 |
| Cost of funding earning assets | 0.7819% | 824 |
| Net interest margin | 3.8458% | 2,286 |
| Noninterest income to average assets | 0.5558% | 3,012 |
| Noninterest expense to average assets | 2.7512% | 3,741 |
| Loan and lease loss provision to assets | 0.1956% | 1,198 |
| Net operating income to assets | 0.9951% | 2,230 |
| Return on assets (ROA) | 0.9941% | 2,291 |
| Pretax return on assets | 1.1506% | 2,695 |
| Return on Equity (ROE) | 8.0554% | 2,898 |
| Retained earnings to average equity (ytd only) | 8.0554% | 1,573 |
| Net charge-offs to loans | 0.1849% | 1,614 |
| Credit loss provision to net charge-offs | 193.1818% | 1,074 |
| Earnings coverage of net charge-offs (x) | 13.3068% | 1,672 |
| Efficiency ratio | 67.1252% | 4,342 |
| Assets per employee ($millions) | 3.4907% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9055% | 1,738 |
| Loan loss allowance to noncurrent loans | 686.5275% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 4,602 |
| Noncurrent loans to loans | 0.2776% | 5,272 |
| Net loans and leases to total assets | 52.3123% | 4,638 |
| Net loans and leases to deposits | 62.4592% | 4,497 |
| Net loans and leases to core deposits | 66.6916% | 4,424 |
| Total domestic deposits to total assets | 83.7544% | 4,364 |
| Equity capital to assets | 12.3666% | 1,650 |
| Core capital (leverage) ratio | 13.0195% | 1,153 |
| Tier 1 risk-based capital ratio | 18.7297% | 2,051 |
| Total risk-based capital ratio | 19.9829% | 2,008 |
| Memoranda: | ||
| Average total assets | $347,636,000 | 1,888 |
| Average earning assets | $320,245,000 | 1,884 |
| Average equity | $42,903,000 | 1,656 |
| Average total loans | $190,345,500 | 2,131 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8016% | 1,311 |
| Cost of funding earning assets | 0.8601% | 909 |
| Net interest margin | 3.9415% | 2,132 |
| Noninterest income to average assets | 0.6181% | 2,988 |
| Noninterest expense to average assets | 2.9090% | 3,344 |
| Loan and lease loss provision to assets | 0.1836% | 2,006 |
| Net operating income to assets | 1.0114% | 2,280 |
| Return on assets (ROA) | 1.0400% | 2,225 |
| Pretax return on assets | 1.1911% | 2,613 |
| Return on Equity (ROE) | 8.4313% | 2,808 |
| Retained earnings to average equity (ytd only) | 7.3642% | 1,288 |
| Net charge-offs to loans | 0.3318% | 2,016 |
| Credit loss provision to net charge-offs | 101.7713% | 2,375 |
| Earnings coverage of net charge-offs (x) | 7.4364% | 2,845 |
| Efficiency ratio | 68.4326% | 4,120 |
| Assets per employee ($millions) | 3.3587% | 5,178 |
| Cash dividends to net income (ytd only)* | 12.6572% | 3,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8531% | 1,917 |
| Loan loss allowance to noncurrent loans | 1,111.9497% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 4,781 |
| Noncurrent loans to loans | 0.1667% | 5,697 |
| Net loans and leases to total assets | 55.2084% | 4,430 |
| Net loans and leases to deposits | 66.8860% | 4,191 |
| Net loans and leases to core deposits | 71.8840% | 4,088 |
| Total domestic deposits to total assets | 82.5410% | 4,700 |
| Equity capital to assets | 12.3149% | 1,618 |
| Core capital (leverage) ratio | 12.9489% | 1,160 |
| Tier 1 risk-based capital ratio | 18.3065% | 2,144 |
| Total risk-based capital ratio | 19.5592% | 2,103 |
| Memoranda: | ||
| Average total assets | $344,136,800 | 1,875 |
| Average earning assets | $317,187,400 | 1,875 |
| Average equity | $42,448,800 | 1,656 |
| Average total loans | $187,146,400 | 2,133 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7879% | 1,383 |
| Cost of funding earning assets | 0.8669% | 960 |
| Net interest margin | 3.9210% | 2,194 |
| Noninterest income to average assets | 0.6131% | 3,062 |
| Noninterest expense to average assets | 2.9371% | 3,178 |
| Loan and lease loss provision to assets | 0.1795% | 2,025 |
| Net operating income to assets | 0.9800% | 2,469 |
| Return on assets (ROA) | 1.0184% | 2,391 |
| Pretax return on assets | 1.1562% | 2,865 |
| Return on Equity (ROE) | 8.2531% | 2,999 |
| Retained earnings to average equity (ytd only) | 6.8359% | 1,955 |
| Net charge-offs to loans | 0.3007% | 2,029 |
| Credit loss provision to net charge-offs | 110.7143% | 2,130 |
| Earnings coverage of net charge-offs (x) | 7.9690% | 2,695 |
| Efficiency ratio | 69.4477% | 3,846 |
| Assets per employee ($millions) | 3.3472% | 5,188 |
| Cash dividends to net income (ytd only)* | 17.1719% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8908% | 2,027 |
| Loan loss allowance to noncurrent loans | 804.0541% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 4,890 |
| Noncurrent loans to loans | 0.2352% | 5,645 |
| Net loans and leases to total assets | 54.2567% | 4,572 |
| Net loans and leases to deposits | 65.7904% | 4,330 |
| Net loans and leases to core deposits | 70.5827% | 4,255 |
| Total domestic deposits to total assets | 82.4691% | 4,777 |
| Equity capital to assets | 12.1855% | 1,796 |
| Core capital (leverage) ratio | 12.6885% | 1,329 |
| Tier 1 risk-based capital ratio | 17.9593% | 2,342 |
| Total risk-based capital ratio | 19.2122% | 2,306 |
| Memoranda: | ||
| Average total assets | $345,365,000 | 1,881 |
| Average earning assets | $318,519,750 | 1,883 |
| Average equity | $42,617,250 | 1,654 |
| Average total loans | $186,229,000 | 2,140 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 1,395 |
| Cost of funding earning assets | 0.8864% | 959 |
| Net interest margin | 3.8824% | 2,265 |
| Noninterest income to average assets | 0.5850% | 3,289 |
| Noninterest expense to average assets | 2.7870% | 3,717 |
| Loan and lease loss provision to assets | 0.1783% | 2,128 |
| Net operating income to assets | 1.0360% | 2,175 |
| Return on assets (ROA) | 1.0921% | 2,068 |
| Pretax return on assets | 1.2703% | 2,405 |
| Return on Equity (ROE) | 8.8138% | 2,701 |
| Retained earnings to average equity (ytd only) | 6.7046% | 2,036 |
| Net charge-offs to loans | 0.3194% | 1,907 |
| Credit loss provision to net charge-offs | 104.3919% | 2,114 |
| Earnings coverage of net charge-offs (x) | 8.1014% | 2,456 |
| Efficiency ratio | 66.8281% | 4,394 |
| Assets per employee ($millions) | 3.4600% | 4,939 |
| Cash dividends to net income (ytd only)* | 23.9303% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8856% | 2,155 |
| Loan loss allowance to noncurrent loans | 300.3396% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 4,603 |
| Noncurrent loans to loans | 0.6278% | 4,686 |
| Net loans and leases to total assets | 53.7439% | 4,625 |
| Net loans and leases to deposits | 64.5352% | 4,432 |
| Net loans and leases to core deposits | 69.3500% | 4,345 |
| Total domestic deposits to total assets | 83.2785% | 4,597 |
| Equity capital to assets | 11.9726% | 1,932 |
| Core capital (leverage) ratio | 12.1001% | 1,564 |
| Tier 1 risk-based capital ratio | 17.7482% | 2,415 |
| Total risk-based capital ratio | 19.0010% | 2,380 |
| Memoranda: | ||
| Average total assets | $346,682,000 | 1,881 |
| Average earning assets | $320,161,670 | 1,872 |
| Average equity | $42,955,330 | 1,643 |
| Average total loans | $185,368,670 | 2,151 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6945% | 1,549 |
| Cost of funding earning assets | 0.9079% | 950 |
| Net interest margin | 3.7866% | 2,502 |
| Noninterest income to average assets | 0.5563% | 3,393 |
| Noninterest expense to average assets | 2.9018% | 3,336 |
| Loan and lease loss provision to assets | 0.1766% | 2,099 |
| Net operating income to assets | 0.9072% | 2,607 |
| Return on assets (ROA) | 0.9072% | 2,764 |
| Pretax return on assets | 0.9795% | 3,441 |
| Return on Equity (ROE) | 7.2028% | 3,381 |
| Retained earnings to average equity (ytd only) | 7.2028% | 2,068 |
| Net charge-offs to loans | 0.2953% | 1,784 |
| Credit loss provision to net charge-offs | 113.2353% | 1,665 |
| Earnings coverage of net charge-offs (x) | 7.4118% | 2,073 |
| Efficiency ratio | 71.5093% | 3,708 |
| Assets per employee ($millions) | 3.4814% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9190% | 2,249 |
| Loan loss allowance to noncurrent loans | 892.4433% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 5,122 |
| Noncurrent loans to loans | 0.2150% | 5,873 |
| Net loans and leases to total assets | 51.5006% | 4,768 |
| Net loans and leases to deposits | 62.1148% | 4,529 |
| Net loans and leases to core deposits | 66.9121% | 4,422 |
| Total domestic deposits to total assets | 82.9119% | 4,880 |
| Equity capital to assets | 12.5156% | 1,704 |
| Core capital (leverage) ratio | 11.8700% | 1,642 |
| Tier 1 risk-based capital ratio | 17.4567% | 2,576 |
| Total risk-based capital ratio | 18.7095% | 2,537 |
| Memoranda: | ||
| Average total assets | $348,752,500 | 1,899 |
| Average earning assets | $322,504,500 | 1,875 |
| Average equity | $43,927,500 | 1,627 |
| Average total loans | $184,236,500 | 2,171 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9789% | 1,620 |
| Cost of funding earning assets | 1.0556% | 1,095 |
| Net interest margin | 3.9233% | 2,730 |
| Noninterest income to average assets | 0.5730% | 3,433 |
| Noninterest expense to average assets | 2.7278% | 4,294 |
| Loan and lease loss provision to assets | 0.3267% | 2,083 |
| Net operating income to assets | 1.0511% | 2,119 |
| Return on assets (ROA) | 1.0511% | 2,314 |
| Pretax return on assets | 1.1530% | 2,978 |
| Return on Equity (ROE) | 8.5797% | 2,836 |
| Retained earnings to average equity (ytd only) | 7.4947% | 1,343 |
| Net charge-offs to loans | 0.4241% | 2,542 |
| Credit loss provision to net charge-offs | 145.3125% | 1,880 |
| Earnings coverage of net charge-offs (x) | 6.5807% | 2,785 |
| Efficiency ratio | 64.8320% | 4,734 |
| Assets per employee ($millions) | 3.4246% | 5,163 |
| Cash dividends to net income (ytd only)* | 12.6462% | 3,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9174% | 2,244 |
| Loan loss allowance to noncurrent loans | 473.7903% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 4,840 |
| Noncurrent loans to loans | 0.4047% | 5,475 |
| Net loans and leases to total assets | 52.1325% | 4,909 |
| Net loans and leases to deposits | 63.1504% | 4,643 |
| Net loans and leases to core deposits | 68.2217% | 4,512 |
| Total domestic deposits to total assets | 82.5529% | 4,911 |
| Equity capital to assets | 12.6769% | 1,600 |
| Core capital (leverage) ratio | 11.8096% | 1,663 |
| Tier 1 risk-based capital ratio | 17.1736% | 2,574 |
| Total risk-based capital ratio | 18.4265% | 2,543 |
| Memoranda: | ||
| Average total assets | $341,554,600 | 1,895 |
| Average earning assets | $316,414,400 | 1,872 |
| Average equity | $41,842,800 | 1,669 |
| Average total loans | $181,106,000 | 2,186 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0066% | 1,684 |
| Cost of funding earning assets | 1.0891% | 1,106 |
| Net interest margin | 3.9175% | 2,849 |
| Noninterest income to average assets | 0.6070% | 3,229 |
| Noninterest expense to average assets | 2.7420% | 4,203 |
| Loan and lease loss provision to assets | 0.3278% | 2,003 |
| Net operating income to assets | 1.0714% | 2,203 |
| Return on assets (ROA) | 1.0714% | 2,415 |
| Pretax return on assets | 1.1701% | 3,098 |
| Return on Equity (ROE) | 8.8238% | 2,888 |
| Retained earnings to average equity (ytd only) | 7.3596% | 1,915 |
| Net charge-offs to loans | 0.3931% | 2,520 |
| Credit loss provision to net charge-offs | 157.3308% | 1,785 |
| Earnings coverage of net charge-offs (x) | 7.1898% | 2,642 |
| Efficiency ratio | 64.6717% | 4,684 |
| Assets per employee ($millions) | 3.5156% | 4,945 |
| Cash dividends to net income (ytd only)* | 16.5936% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9227% | 2,407 |
| Loan loss allowance to noncurrent loans | 367.6874% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.6798% | 4,988 |
| Noncurrent loans to loans | 0.5229% | 5,396 |
| Net loans and leases to total assets | 51.5542% | 5,108 |
| Net loans and leases to deposits | 62.3641% | 4,919 |
| Net loans and leases to core deposits | 67.4720% | 4,782 |
| Total domestic deposits to total assets | 82.6664% | 4,769 |
| Equity capital to assets | 12.5154% | 1,880 |
| Core capital (leverage) ratio | 11.5821% | 1,926 |
| Tier 1 risk-based capital ratio | 16.9405% | 2,765 |
| Total risk-based capital ratio | 18.1931% | 2,723 |
| Memoranda: | ||
| Average total assets | $340,473,250 | 1,916 |
| Average earning assets | $315,734,250 | 1,898 |
| Average equity | $41,341,750 | 1,700 |
| Average total loans | $180,422,250 | 2,220 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0417% | 1,686 |
| Cost of funding earning assets | 1.1247% | 1,111 |
| Net interest margin | 3.9170% | 2,837 |
| Noninterest income to average assets | 0.6016% | 3,252 |
| Noninterest expense to average assets | 2.7164% | 4,342 |
| Loan and lease loss provision to assets | 0.3291% | 1,999 |
| Net operating income to assets | 1.0781% | 2,132 |
| Return on assets (ROA) | 1.0781% | 2,353 |
| Pretax return on assets | 1.1895% | 2,973 |
| Return on Equity (ROE) | 8.9719% | 2,827 |
| Retained earnings to average equity (ytd only) | 6.7437% | 2,251 |
| Net charge-offs to loans | 0.5128% | 2,047 |
| Credit loss provision to net charge-offs | 120.7792% | 2,277 |
| Earnings coverage of net charge-offs (x) | 5.5736% | 2,806 |
| Efficiency ratio | 64.1415% | 4,879 |
| Assets per employee ($millions) | 3.6126% | 4,726 |
| Cash dividends to net income (ytd only)* | 24.8359% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8412% | 2,730 |
| Loan loss allowance to noncurrent loans | 374.4851% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 5,106 |
| Noncurrent loans to loans | 0.4917% | 5,548 |
| Net loans and leases to total assets | 50.3149% | 5,318 |
| Net loans and leases to deposits | 60.4967% | 5,196 |
| Net loans and leases to core deposits | 65.3615% | 5,074 |
| Total domestic deposits to total assets | 83.1696% | 4,690 |
| Equity capital to assets | 12.0543% | 2,113 |
| Core capital (leverage) ratio | 11.3121% | 2,034 |
| Tier 1 risk-based capital ratio | 16.7676% | 2,779 |
| Total risk-based capital ratio | 18.0195% | 2,730 |
| Memoranda: | ||
| Average total assets | $339,122,000 | 1,918 |
| Average earning assets | $314,579,000 | 1,897 |
| Average equity | $40,749,330 | 1,716 |
| Average total loans | $180,196,330 | 2,230 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0864% | 1,622 |
| Cost of funding earning assets | 1.1566% | 1,150 |
| Net interest margin | 3.9298% | 2,804 |
| Noninterest income to average assets | 0.6108% | 3,156 |
| Noninterest expense to average assets | 2.8812% | 3,702 |
| Loan and lease loss provision to assets | 0.3257% | 1,922 |
| Net operating income to assets | 0.9807% | 2,554 |
| Return on assets (ROA) | 0.9807% | 2,758 |
| Pretax return on assets | 1.0523% | 3,495 |
| Return on Equity (ROE) | 8.1747% | 3,206 |
| Retained earnings to average equity (ytd only) | 8.1747% | 1,918 |
| Net charge-offs to loans | 0.1962% | 2,938 |
| Credit loss provision to net charge-offs | 306.7416% | 961 |
| Earnings coverage of net charge-offs (x) | 12.9775% | 1,563 |
| Efficiency ratio | 67.6471% | 4,244 |
| Assets per employee ($millions) | 3.6782% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8557% | 2,823 |
| Loan loss allowance to noncurrent loans | 210.5890% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.8153% | 4,906 |
| Noncurrent loans to loans | 0.8812% | 4,905 |
| Net loans and leases to total assets | 51.4110% | 5,091 |
| Net loans and leases to deposits | 61.7736% | 4,952 |
| Net loans and leases to core deposits | 67.0604% | 4,789 |
| Total domestic deposits to total assets | 83.2248% | 4,840 |
| Equity capital to assets | 11.7984% | 2,187 |
| Core capital (leverage) ratio | 11.4221% | 1,945 |
| Tier 1 risk-based capital ratio | 16.5137% | 2,905 |
| Total risk-based capital ratio | 17.7660% | 2,868 |
| Memoranda: | ||
| Average total assets | $335,280,000 | 1,948 |
| Average earning assets | $311,264,000 | 1,921 |
| Average equity | $40,221,500 | 1,727 |
| Average total loans | $181,410,500 | 2,216 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3617% | 1,526 |
| Cost of funding earning assets | 1.3260% | 1,362 |
| Net interest margin | 4.0357% | 2,702 |
| Noninterest income to average assets | 0.6803% | 2,724 |
| Noninterest expense to average assets | 2.7795% | 4,429 |
| Loan and lease loss provision to assets | 0.3877% | 2,667 |
| Net operating income to assets | 1.0524% | 1,996 |
| Return on assets (ROA) | 1.0524% | 2,135 |
| Pretax return on assets | 1.2496% | 2,299 |
| Return on Equity (ROE) | 9.1863% | 2,367 |
| Retained earnings to average equity (ytd only) | 9.1863% | 750 |
| Net charge-offs to loans | 0.4348% | 3,263 |
| Credit loss provision to net charge-offs | 156.0453% | 1,801 |
| Earnings coverage of net charge-offs (x) | 6.5894% | 2,488 |
| Efficiency ratio | 62.9304% | 5,313 |
| Assets per employee ($millions) | 3.4554% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7484% | 3,036 |
| Loan loss allowance to noncurrent loans | 187.4336% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.9030% | 4,807 |
| Noncurrent loans to loans | 0.9328% | 4,830 |
| Net loans and leases to total assets | 54.9643% | 4,887 |
| Net loans and leases to deposits | 66.5256% | 4,664 |
| Net loans and leases to core deposits | 72.0664% | 4,522 |
| Total domestic deposits to total assets | 82.6213% | 4,912 |
| Equity capital to assets | 12.2071% | 1,964 |
| Core capital (leverage) ratio | 11.6759% | 1,777 |
| Tier 1 risk-based capital ratio | 16.3396% | 2,891 |
| Total risk-based capital ratio | 17.5910% | 2,859 |
| Memoranda: | ||
| Average total assets | $319,548,200 | 2,012 |
| Average earning assets | $295,855,800 | 1,981 |
| Average equity | $36,609,000 | 1,843 |
| Average total loans | $182,620,000 | 2,204 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3945% | 1,527 |
| Cost of funding earning assets | 1.3389% | 1,506 |
| Net interest margin | 4.0556% | 2,668 |
| Noninterest income to average assets | 0.6921% | 2,651 |
| Noninterest expense to average assets | 2.7694% | 4,466 |
| Loan and lease loss provision to assets | 0.3092% | 3,051 |
| Net operating income to assets | 1.1396% | 1,839 |
| Return on assets (ROA) | 1.1396% | 1,960 |
| Pretax return on assets | 1.3675% | 2,053 |
| Return on Equity (ROE) | 10.1163% | 2,157 |
| Retained earnings to average equity (ytd only) | 10.1163% | 815 |
| Net charge-offs to loans | 0.3383% | 3,401 |
| Credit loss provision to net charge-offs | 159.0517% | 1,943 |
| Earnings coverage of net charge-offs (x) | 8.6250% | 2,148 |
| Efficiency ratio | 62.2880% | 5,369 |
| Assets per employee ($millions) | 3.4243% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 3,448 |
| Loan loss allowance to noncurrent loans | 232.8428% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.8205% | 5,127 |
| Noncurrent loans to loans | 0.7085% | 5,462 |
| Net loans and leases to total assets | 55.6714% | 4,890 |
| Net loans and leases to deposits | 67.4653% | 4,697 |
| Net loans and leases to core deposits | 73.2536% | 4,556 |
| Total domestic deposits to total assets | 82.5186% | 4,868 |
| Equity capital to assets | 12.1671% | 2,131 |
| Core capital (leverage) ratio | 11.5473% | 1,991 |
| Tier 1 risk-based capital ratio | 16.0698% | 3,080 |
| Total risk-based capital ratio | 17.3206% | 3,042 |
| Memoranda: | ||
| Average total assets | $318,232,500 | 2,019 |
| Average earning assets | $294,566,250 | 1,993 |
| Average equity | $35,848,750 | 1,887 |
| Average total loans | $182,848,250 | 2,222 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3853% | 1,609 |
| Cost of funding earning assets | 1.3535% | 1,630 |
| Net interest margin | 4.0318% | 2,692 |
| Noninterest income to average assets | 0.6763% | 2,676 |
| Noninterest expense to average assets | 2.7216% | 4,735 |
| Loan and lease loss provision to assets | 0.3066% | 2,962 |
| Net operating income to assets | 1.1409% | 1,753 |
| Return on assets (ROA) | 1.1419% | 1,823 |
| Pretax return on assets | 1.3816% | 1,854 |
| Return on Equity (ROE) | 10.4192% | 1,977 |
| Retained earnings to average equity (ytd only) | 10.4192% | 764 |
| Net charge-offs to loans | 0.3070% | 3,342 |
| Credit loss provision to net charge-offs | 172.9537% | 1,748 |
| Earnings coverage of net charge-offs (x) | 9.5160% | 1,914 |
| Efficiency ratio | 61.7344% | 5,625 |
| Assets per employee ($millions) | 3.5680% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 3,669 |
| Loan loss allowance to noncurrent loans | 153.2881% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9657% | 4,933 |
| Noncurrent loans to loans | 1.0485% | 4,899 |
| Net loans and leases to total assets | 55.9919% | 4,997 |
| Net loans and leases to deposits | 67.1081% | 4,837 |
| Net loans and leases to core deposits | 72.6195% | 4,743 |
| Total domestic deposits to total assets | 83.4354% | 4,567 |
| Equity capital to assets | 11.4104% | 2,591 |
| Core capital (leverage) ratio | 11.0850% | 2,183 |
| Tier 1 risk-based capital ratio | 15.5864% | 3,193 |
| Total risk-based capital ratio | 16.8369% | 3,150 |
| Memoranda: | ||
| Average total assets | $317,015,000 | 2,036 |
| Average earning assets | $293,466,670 | 2,014 |
| Average equity | $34,743,670 | 1,919 |
| Average total loans | $183,063,000 | 2,248 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3666% | 1,682 |
| Cost of funding earning assets | 1.3671% | 1,790 |
| Net interest margin | 3.9995% | 2,677 |
| Noninterest income to average assets | 0.6528% | 2,825 |
| Noninterest expense to average assets | 2.6771% | 4,931 |
| Loan and lease loss provision to assets | 0.3099% | 2,692 |
| Net operating income to assets | 1.1176% | 1,774 |
| Return on assets (ROA) | 1.1176% | 1,826 |
| Pretax return on assets | 1.3589% | 1,856 |
| Return on Equity (ROE) | 10.4157% | 1,950 |
| Retained earnings to average equity (ytd only) | 10.4157% | 1,019 |
| Net charge-offs to loans | 0.5567% | 2,104 |
| Credit loss provision to net charge-offs | 95.6863% | 2,836 |
| Earnings coverage of net charge-offs (x) | 5.1529% | 2,322 |
| Efficiency ratio | 61.6014% | 5,741 |
| Assets per employee ($millions) | 3.6457% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 4,244 |
| Loan loss allowance to noncurrent loans | 147.0811% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.9650% | 4,973 |
| Noncurrent loans to loans | 1.0156% | 5,023 |
| Net loans and leases to total assets | 55.3006% | 5,113 |
| Net loans and leases to deposits | 65.6037% | 5,029 |
| Net loans and leases to core deposits | 70.6849% | 4,965 |
| Total domestic deposits to total assets | 84.2950% | 4,370 |
| Equity capital to assets | 10.6404% | 3,050 |
| Core capital (leverage) ratio | 11.1261% | 2,096 |
| Tier 1 risk-based capital ratio | 15.3330% | 3,246 |
| Total risk-based capital ratio | 16.5312% | 3,230 |
| Memoranda: | ||
| Average total assets | $314,963,500 | 2,067 |
| Average earning assets | $290,838,500 | 2,050 |
| Average equity | $33,795,000 | 1,952 |
| Average total loans | $183,226,000 | 2,271 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7945% | 1,290 |
| Cost of funding earning assets | 1.6180% | 1,963 |
| Net interest margin | 4.1765% | 2,272 |
| Noninterest income to average assets | 0.7528% | 2,526 |
| Noninterest expense to average assets | 2.8952% | 4,246 |
| Loan and lease loss provision to assets | 0.3615% | 3,950 |
| Net operating income to assets | 1.0889% | 1,730 |
| Return on assets (ROA) | 1.0889% | 1,815 |
| Pretax return on assets | 1.3376% | 1,835 |
| Return on Equity (ROE) | 9.9857% | 1,931 |
| Retained earnings to average equity (ytd only) | 9.0556% | 686 |
| Net charge-offs to loans | 0.4424% | 3,851 |
| Credit loss provision to net charge-offs | 132.5153% | 2,963 |
| Earnings coverage of net charge-offs (x) | 6.2282% | 2,411 |
| Efficiency ratio | 63.0164% | 5,508 |
| Assets per employee ($millions) | 3.4712% | 5,001 |
| Cash dividends to net income (ytd only)* | 9.3145% | 3,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 4,115 |
| Loan loss allowance to noncurrent loans | 142.5143% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 1.0361% | 4,926 |
| Noncurrent loans to loans | 1.0401% | 4,991 |
| Net loans and leases to total assets | 59.4404% | 4,767 |
| Net loans and leases to deposits | 70.8847% | 4,704 |
| Net loans and leases to core deposits | 76.6729% | 4,622 |
| Total domestic deposits to total assets | 83.8551% | 4,421 |
| Equity capital to assets | 10.8248% | 2,834 |
| Core capital (leverage) ratio | 10.8367% | 2,278 |
| Tier 1 risk-based capital ratio | 14.8532% | 3,336 |
| Total risk-based capital ratio | 16.0489% | 3,329 |
| Memoranda: | ||
| Average total assets | $298,739,600 | 2,157 |
| Average earning assets | $274,777,400 | 2,153 |
| Average equity | $32,576,600 | 2,013 |
| Average total loans | $184,242,200 | 2,306 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8260% | 1,329 |
| Cost of funding earning assets | 1.6678% | 2,018 |
| Net interest margin | 4.1582% | 2,374 |
| Noninterest income to average assets | 0.7379% | 2,591 |
| Noninterest expense to average assets | 2.8169% | 4,411 |
| Loan and lease loss provision to assets | 0.2738% | 4,395 |
| Net operating income to assets | 1.1364% | 1,780 |
| Return on assets (ROA) | 1.1364% | 1,888 |
| Pretax return on assets | 1.4731% | 1,673 |
| Return on Equity (ROE) | 10.4021% | 1,975 |
| Retained earnings to average equity (ytd only) | 9.1573% | 1,005 |
| Net charge-offs to loans | 0.3242% | 4,040 |
| Credit loss provision to net charge-offs | 136.1607% | 2,946 |
| Earnings coverage of net charge-offs (x) | 8.6875% | 2,123 |
| Efficiency ratio | 61.7231% | 5,662 |
| Assets per employee ($millions) | 3.5165% | 4,940 |
| Cash dividends to net income (ytd only)* | 11.9668% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 4,419 |
| Loan loss allowance to noncurrent loans | 121.0405% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 1.1921% | 4,754 |
| Noncurrent loans to loans | 1.1629% | 4,923 |
| Net loans and leases to total assets | 60.8910% | 4,741 |
| Net loans and leases to deposits | 73.3942% | 4,618 |
| Net loans and leases to core deposits | 79.8721% | 4,540 |
| Total domestic deposits to total assets | 82.9644% | 4,603 |
| Equity capital to assets | 11.4252% | 2,586 |
| Core capital (leverage) ratio | 10.9334% | 2,310 |
| Tier 1 risk-based capital ratio | 14.5491% | 3,484 |
| Total risk-based capital ratio | 15.7005% | 3,510 |
| Memoranda: | ||
| Average total assets | $297,058,500 | 2,207 |
| Average earning assets | $273,319,500 | 2,192 |
| Average equity | $32,454,250 | 2,042 |
| Average total loans | $184,227,500 | 2,336 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7976% | 1,432 |
| Cost of funding earning assets | 1.7085% | 2,078 |
| Net interest margin | 4.0891% | 2,612 |
| Noninterest income to average assets | 0.7315% | 2,509 |
| Noninterest expense to average assets | 2.8028% | 4,468 |
| Loan and lease loss provision to assets | 0.2669% | 4,256 |
| Net operating income to assets | 1.0892% | 1,892 |
| Return on assets (ROA) | 1.0892% | 1,962 |
| Pretax return on assets | 1.4197% | 1,778 |
| Return on Equity (ROE) | 10.1275% | 2,061 |
| Retained earnings to average equity (ytd only) | 8.2192% | 1,368 |
| Net charge-offs to loans | 0.2977% | 3,835 |
| Credit loss provision to net charge-offs | 144.3223% | 2,752 |
| Earnings coverage of net charge-offs (x) | 9.1209% | 2,053 |
| Efficiency ratio | 62.4321% | 5,622 |
| Assets per employee ($millions) | 3.4486% | 5,048 |
| Cash dividends to net income (ytd only)* | 18.8433% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 4,439 |
| Loan loss allowance to noncurrent loans | 94.9028% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 1.2782% | 4,590 |
| Noncurrent loans to loans | 1.4723% | 4,496 |
| Net loans and leases to total assets | 60.1791% | 5,021 |
| Net loans and leases to deposits | 71.8259% | 5,019 |
| Net loans and leases to core deposits | 77.8359% | 4,980 |
| Total domestic deposits to total assets | 83.7848% | 4,207 |
| Equity capital to assets | 10.7795% | 3,094 |
| Core capital (leverage) ratio | 10.7179% | 2,454 |
| Tier 1 risk-based capital ratio | 14.1622% | 3,622 |
| Total risk-based capital ratio | 15.2972% | 3,663 |
| Memoranda: | ||
| Average total assets | $295,271,670 | 2,232 |
| Average earning assets | $271,353,670 | 2,216 |
| Average equity | $31,755,000 | 2,078 |
| Average total loans | $183,378,330 | 2,386 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8055% | 1,437 |
| Cost of funding earning assets | 1.7589% | 2,080 |
| Net interest margin | 4.0466% | 2,664 |
| Noninterest income to average assets | 0.6951% | 2,631 |
| Noninterest expense to average assets | 2.7283% | 4,774 |
| Loan and lease loss provision to assets | 0.2500% | 4,047 |
| Net operating income to assets | 1.0990% | 1,830 |
| Return on assets (ROA) | 1.0990% | 1,915 |
| Pretax return on assets | 1.4273% | 1,701 |
| Return on Equity (ROE) | 10.2315% | 2,028 |
| Retained earnings to average equity (ytd only) | 10.2315% | 1,092 |
| Net charge-offs to loans | 0.0153% | 5,367 |
| Credit loss provision to net charge-offs | 2,600.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 174.4286% | 194 |
| Efficiency ratio | 61.9270% | 5,844 |
| Assets per employee ($millions) | 3.4863% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 4,190 |
| Loan loss allowance to noncurrent loans | 119.9818% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 1.1854% | 4,804 |
| Noncurrent loans to loans | 1.2033% | 4,954 |
| Net loans and leases to total assets | 60.1558% | 5,096 |
| Net loans and leases to deposits | 71.7333% | 5,087 |
| Net loans and leases to core deposits | 76.2566% | 5,222 |
| Total domestic deposits to total assets | 83.8603% | 4,211 |
| Equity capital to assets | 10.5775% | 3,168 |
| Core capital (leverage) ratio | 10.9136% | 2,284 |
| Tier 1 risk-based capital ratio | 14.2605% | 3,507 |
| Total risk-based capital ratio | 15.4457% | 3,513 |
| Memoranda: | ||
| Average total assets | $291,170,500 | 2,305 |
| Average earning assets | $266,987,000 | 2,305 |
| Average equity | $31,276,000 | 2,130 |
| Average total loans | $182,459,500 | 2,460 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2484% | 1,123 |
| Cost of funding earning assets | 2.1957% | 2,057 |
| Net interest margin | 4.0527% | 2,640 |
| Noninterest income to average assets | 0.7532% | 2,658 |
| Noninterest expense to average assets | 3.0600% | 3,906 |
| Loan and lease loss provision to assets | 0.2075% | 5,684 |
| Net operating income to assets | 1.0464% | 1,681 |
| Return on assets (ROA) | 1.0464% | 1,723 |
| Pretax return on assets | 1.2030% | 1,943 |
| Return on Equity (ROE) | 9.8469% | 1,733 |
| Retained earnings to average equity (ytd only) | 8.8109% | 526 |
| Net charge-offs to loans | 0.2776% | 4,894 |
| Credit loss provision to net charge-offs | 113.0693% | 4,848 |
| Earnings coverage of net charge-offs (x) | 7.6871% | 2,093 |
| Efficiency ratio | 68.4493% | 4,933 |
| Assets per employee ($millions) | 3.2851% | 5,524 |
| Cash dividends to net income (ytd only)* | 10.5208% | 3,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 4,450 |
| Loan loss allowance to noncurrent loans | 107.7763% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 1.3408% | 4,418 |
| Noncurrent loans to loans | 1.2583% | 4,836 |
| Net loans and leases to total assets | 63.5178% | 4,702 |
| Net loans and leases to deposits | 76.2638% | 4,691 |
| Net loans and leases to core deposits | 98.9965% | 4,113 |
| Total domestic deposits to total assets | 83.2870% | 4,389 |
| Equity capital to assets | 10.9155% | 2,765 |
| Core capital (leverage) ratio | 11.0316% | 2,209 |
| Tier 1 risk-based capital ratio | 14.2294% | 3,359 |
| Total risk-based capital ratio | 15.3622% | 3,390 |
| Memoranda: | ||
| Average total assets | $275,224,600 | 2,379 |
| Average earning assets | $252,447,600 | 2,385 |
| Average equity | $29,247,800 | 2,280 |
| Average total loans | $181,887,400 | 2,489 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3123% | 1,107 |
| Cost of funding earning assets | 2.2796% | 2,069 |
| Net interest margin | 4.0327% | 2,670 |
| Noninterest income to average assets | 0.7515% | 2,700 |
| Noninterest expense to average assets | 3.0723% | 3,760 |
| Loan and lease loss provision to assets | 0.2014% | 5,374 |
| Net operating income to assets | 0.9607% | 2,193 |
| Return on assets (ROA) | 0.9607% | 2,256 |
| Pretax return on assets | 1.1797% | 2,328 |
| Return on Equity (ROE) | 9.1043% | 2,224 |
| Retained earnings to average equity (ytd only) | 7.7040% | 1,232 |
| Net charge-offs to loans | 0.2639% | 4,394 |
| Credit loss provision to net charge-offs | 114.7222% | 4,426 |
| Earnings coverage of net charge-offs (x) | 7.8666% | 2,337 |
| Efficiency ratio | 68.9882% | 4,789 |
| Assets per employee ($millions) | 3.1819% | 5,692 |
| Cash dividends to net income (ytd only)* | 15.3807% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 4,225 |
| Loan loss allowance to noncurrent loans | 217.9396% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.8671% | 5,352 |
| Noncurrent loans to loans | 0.6180% | 6,068 |
| Net loans and leases to total assets | 64.1928% | 4,825 |
| Net loans and leases to deposits | 77.2602% | 4,850 |
| Net loans and leases to core deposits | 102.0200% | 4,152 |
| Total domestic deposits to total assets | 83.0866% | 4,177 |
| Equity capital to assets | 10.9511% | 3,061 |
| Core capital (leverage) ratio | 10.8891% | 2,488 |
| Tier 1 risk-based capital ratio | 14.2027% | 3,442 |
| Total risk-based capital ratio | 15.3614% | 3,428 |
| Memoranda: | ||
| Average total assets | $273,401,750 | 2,399 |
| Average earning assets | $250,975,750 | 2,416 |
| Average equity | $28,850,250 | 2,332 |
| Average total loans | $181,880,500 | 2,516 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3633% | 1,072 |
| Cost of funding earning assets | 2.3653% | 2,098 |
| Net interest margin | 3.9980% | 2,705 |
| Noninterest income to average assets | 0.7323% | 2,804 |
| Noninterest expense to average assets | 3.0900% | 3,739 |
| Loan and lease loss provision to assets | 0.2021% | 5,031 |
| Net operating income to assets | 0.9004% | 2,455 |
| Return on assets (ROA) | 0.9004% | 2,562 |
| Pretax return on assets | 1.1062% | 2,618 |
| Return on Equity (ROE) | 8.6456% | 2,498 |
| Retained earnings to average equity (ytd only) | 6.5001% | 1,797 |
| Net charge-offs to loans | 0.2564% | 3,913 |
| Credit loss provision to net charge-offs | 117.5966% | 3,957 |
| Earnings coverage of net charge-offs (x) | 7.6137% | 2,419 |
| Efficiency ratio | 70.2549% | 4,722 |
| Assets per employee ($millions) | 3.1397% | 5,744 |
| Cash dividends to net income (ytd only)* | 24.8157% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 4,070 |
| Loan loss allowance to noncurrent loans | 179.9558% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.7527% | 5,521 |
| Noncurrent loans to loans | 0.7420% | 5,760 |
| Net loans and leases to total assets | 66.0570% | 4,553 |
| Net loans and leases to deposits | 79.3415% | 4,650 |
| Net loans and leases to core deposits | 105.5878% | 3,885 |
| Total domestic deposits to total assets | 83.2566% | 4,122 |
| Equity capital to assets | 10.4818% | 3,425 |
| Core capital (leverage) ratio | 10.6235% | 2,719 |
| Tier 1 risk-based capital ratio | 13.8508% | 3,602 |
| Total risk-based capital ratio | 15.0041% | 3,588 |
| Memoranda: | ||
| Average total assets | $271,199,670 | 2,436 |
| Average earning assets | $248,674,330 | 2,450 |
| Average equity | $28,245,670 | 2,392 |
| Average total loans | $181,774,330 | 2,550 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3340% | 1,204 |
| Cost of funding earning assets | 2.4621% | 2,063 |
| Net interest margin | 3.8719% | 3,181 |
| Noninterest income to average assets | 0.7061% | 2,850 |
| Noninterest expense to average assets | 2.8791% | 4,234 |
| Loan and lease loss provision to assets | 0.2058% | 4,389 |
| Net operating income to assets | 0.9281% | 2,586 |
| Return on assets (ROA) | 0.9281% | 2,720 |
| Pretax return on assets | 1.1665% | 2,740 |
| Return on Equity (ROE) | 8.9404% | 2,745 |
| Retained earnings to average equity (ytd only) | 8.9404% | 1,503 |
| Net charge-offs to loans | 0.3863% | 2,555 |
| Credit loss provision to net charge-offs | 79.4286% | 4,199 |
| Earnings coverage of net charge-offs (x) | 5.2971% | 2,704 |
| Efficiency ratio | 67.7228% | 5,018 |
| Assets per employee ($millions) | 3.1129% | 5,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 4,090 |
| Loan loss allowance to noncurrent loans | 780.5281% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 6,452 |
| Noncurrent loans to loans | 0.1664% | 7,049 |
| Net loans and leases to total assets | 64.8656% | 4,827 |
| Net loans and leases to deposits | 77.5947% | 4,991 |
| Net loans and leases to core deposits | 102.3266% | 4,305 |
| Total domestic deposits to total assets | 83.5954% | 3,880 |
| Equity capital to assets | 10.2792% | 3,672 |
| Core capital (leverage) ratio | 10.6784% | 2,760 |
| Tier 1 risk-based capital ratio | 13.7606% | 3,715 |
| Total risk-based capital ratio | 14.8821% | 3,702 |
| Memoranda: | ||
| Average total assets | $270,220,500 | 2,459 |
| Average earning assets | $247,426,500 | 2,472 |
| Average equity | $28,052,500 | 2,413 |
| Average total loans | $181,220,500 | 2,580 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9978% | 1,133 |
| Cost of funding earning assets | 3.0117% | 1,835 |
| Net interest margin | 3.9861% | 3,185 |
| Noninterest income to average assets | 0.8055% | 2,485 |
| Noninterest expense to average assets | 2.8914% | 4,478 |
| Loan and lease loss provision to assets | 0.2426% | 4,484 |
| Net operating income to assets | 1.0188% | 2,479 |
| Return on assets (ROA) | 1.0188% | 2,366 |
| Pretax return on assets | 1.3178% | 2,252 |
| Return on Equity (ROE) | 9.8482% | 2,318 |
| Retained earnings to average equity (ytd only) | 8.7128% | 652 |
| Net charge-offs to loans | 0.2943% | 3,435 |
| Credit loss provision to net charge-offs | 119.1651% | 4,517 |
| Earnings coverage of net charge-offs (x) | 7.6641% | 3,049 |
| Efficiency ratio | 64.9484% | 5,337 |
| Assets per employee ($millions) | 2.9595% | 6,153 |
| Cash dividends to net income (ytd only)* | 11.5283% | 4,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 3,586 |
| Loan loss allowance to noncurrent loans | 747.9751% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 6,295 |
| Noncurrent loans to loans | 0.1780% | 6,854 |
| Net loans and leases to total assets | 67.5667% | 4,540 |
| Net loans and leases to deposits | 81.7195% | 4,767 |
| Net loans and leases to core deposits | 110.2106% | 3,757 |
| Total domestic deposits to total assets | 82.6812% | 3,901 |
| Equity capital to assets | 10.4888% | 3,517 |
| Core capital (leverage) ratio | 10.9104% | 2,662 |
| Tier 1 risk-based capital ratio | 13.9367% | 3,575 |
| Total risk-based capital ratio | 15.1153% | 3,531 |
| Memoranda: | ||
| Average total assets | $258,834,200 | 2,473 |
| Average earning assets | $236,775,000 | 2,484 |
| Average equity | $26,776,600 | 2,494 |
| Average total loans | $179,047,400 | 2,510 |