Home > The Monticello Banking Company > Performance and Condition Ratios
The Monticello Banking Company, 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 | 4.6070% | 2,875 |
| Cost of funding earning assets | 1.7295% | 1,389 |
| Net interest margin | 2.8775% | 3,528 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.2588% | 2,959 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7467% | 3,053 |
| Return on assets (ROA) | 0.7519% | 3,018 |
| Pretax return on assets | 0.9178% | 2,914 |
| Return on Equity (ROE) | 13.2600% | 1,658 |
| Retained earnings to average equity (ytd only) | 6.9556% | 1,902 |
| Net charge-offs to loans | 0.0371% | 1,564 |
| Credit loss provision to net charge-offs | 100.3247% | 1,830 |
| Earnings coverage of net charge-offs (x) | 35.8052% | 1,515 |
| Efficiency ratio | 70.6452% | 1,800 |
| Assets per employee ($millions) | 5.7908% | 2,991 |
| Cash dividends to net income (ytd only)* | 47.5436% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 2,561 |
| Loan loss allowance to noncurrent loans | 920.8255% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.0889% | 2,937 |
| Noncurrent loans to loans | 0.1246% | 2,894 |
| Net loans and leases to total assets | 70.5600% | 1,748 |
| Net loans and leases to deposits | 89.9685% | 1,268 |
| Net loans and leases to core deposits | 107.3823% | 1,054 |
| Total domestic deposits to total assets | 78.4300% | 3,679 |
| Equity capital to assets | 6.1883% | 4,200 |
| Core capital (leverage) ratio | 8.1522% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2027% | 2,786 |
| Memoranda: | ||
| Average total assets | $1,174,963,600 | 867 |
| Average earning assets | $1,096,673,200 | 850 |
| Average equity | $66,623,000 | 1,298 |
| Average total loans | $830,932,600 | 840 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5052% | 2,900 |
| Cost of funding earning assets | 1.5790% | 1,409 |
| Net interest margin | 2.9262% | 3,490 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.2936% | 2,814 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7432% | 3,193 |
| Return on assets (ROA) | 0.7501% | 3,168 |
| Pretax return on assets | 0.9140% | 3,069 |
| Return on Equity (ROE) | 13.5500% | 1,780 |
| Retained earnings to average equity (ytd only) | 7.0584% | 2,261 |
| Net charge-offs to loans | 0.0543% | 1,130 |
| Credit loss provision to net charge-offs | 109.5238% | 1,553 |
| Earnings coverage of net charge-offs (x) | 24.7530% | 1,700 |
| Efficiency ratio | 70.7426% | 1,704 |
| Assets per employee ($millions) | 5.5587% | 3,133 |
| Cash dividends to net income (ytd only)* | 47.8942% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 2,602 |
| Loan loss allowance to noncurrent loans | 926.3405% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 2,980 |
| Noncurrent loans to loans | 0.1245% | 2,934 |
| Net loans and leases to total assets | 71.6300% | 1,621 |
| Net loans and leases to deposits | 91.0969% | 1,136 |
| Net loans and leases to core deposits | 104.5562% | 1,090 |
| Total domestic deposits to total assets | 78.6300% | 3,748 |
| Equity capital to assets | 5.3586% | 4,179 |
| Core capital (leverage) ratio | 8.0981% | 4,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9268% | 2,837 |
| Memoranda: | ||
| Average total assets | $1,169,032,500 | 873 |
| Average earning assets | $1,090,456,250 | 856 |
| Average equity | $64,734,250 | 1,309 |
| Average total loans | $824,757,000 | 843 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3790% | 2,936 |
| Cost of funding earning assets | 1.3896% | 1,475 |
| Net interest margin | 2.9894% | 3,457 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.2935% | 2,827 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.7895% | 3,109 |
| Return on assets (ROA) | 0.7999% | 3,085 |
| Pretax return on assets | 0.9718% | 2,987 |
| Return on Equity (ROE) | 14.2900% | 1,622 |
| Retained earnings to average equity (ytd only) | 7.8544% | 2,015 |
| Net charge-offs to loans | 0.0788% | 793 |
| Credit loss provision to net charge-offs | 59.5016% | 1,634 |
| Earnings coverage of net charge-offs (x) | 18.0405% | 1,771 |
| Efficiency ratio | 69.7772% | 1,784 |
| Assets per employee ($millions) | 5.6596% | 3,011 |
| Cash dividends to net income (ytd only)* | 45.0354% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 2,702 |
| Loan loss allowance to noncurrent loans | 890.1654% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 2,891 |
| Noncurrent loans to loans | 0.1294% | 2,827 |
| Net loans and leases to total assets | 70.5900% | 1,677 |
| Net loans and leases to deposits | 88.6025% | 1,293 |
| Net loans and leases to core deposits | 101.4597% | 1,162 |
| Total domestic deposits to total assets | 79.6700% | 3,618 |
| Equity capital to assets | 5.6165% | 4,263 |
| Core capital (leverage) ratio | 8.1324% | 4,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8633% | 2,861 |
| Memoranda: | ||
| Average total assets | $1,165,893,000 | 865 |
| Average earning assets | $1,087,781,667 | 851 |
| Average equity | $65,262,667 | 1,301 |
| Average total loans | $815,024,667 | 834 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 2,835 |
| Cost of funding earning assets | 1.2317% | 1,378 |
| Net interest margin | 3.0547% | 3,452 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.3409% | 2,699 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8223% | 3,127 |
| Return on assets (ROA) | 0.7971% | 3,151 |
| Pretax return on assets | 0.9605% | 3,099 |
| Return on Equity (ROE) | 14.2600% | 1,726 |
| Retained earnings to average equity (ytd only) | 7.7859% | 2,286 |
| Net charge-offs to loans | 0.1242% | 523 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 11.5422% | 1,635 |
| Efficiency ratio | 70.2608% | 1,723 |
| Assets per employee ($millions) | 5.7075% | 3,022 |
| Cash dividends to net income (ytd only)* | 45.4152% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 2,666 |
| Loan loss allowance to noncurrent loans | 1,026.3948% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 2,862 |
| Noncurrent loans to loans | 0.1149% | 2,945 |
| Net loans and leases to total assets | 68.8500% | 1,743 |
| Net loans and leases to deposits | 84.6344% | 1,455 |
| Net loans and leases to core deposits | 96.3706% | 1,259 |
| Total domestic deposits to total assets | 81.3500% | 3,579 |
| Equity capital to assets | 5.6380% | 4,307 |
| Core capital (leverage) ratio | 8.0363% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8882% | 2,958 |
| Memoranda: | ||
| Average total assets | $1,160,239,000 | 888 |
| Average earning assets | $1,081,752,500 | 868 |
| Average equity | $64,835,500 | 1,318 |
| Average total loans | $802,193,500 | 856 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 1,917 |
| Cost of funding earning assets | 0.4618% | 1,638 |
| Net interest margin | 3.4641% | 2,056 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.3049% | 2,714 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2298% | 1,663 |
| Return on assets (ROA) | 1.2304% | 1,613 |
| Pretax return on assets | 1.5081% | 1,429 |
| Return on Equity (ROE) | 19.0300% | 568 |
| Retained earnings to average equity (ytd only) | 4.1294% | 3,356 |
| Net charge-offs to loans | 0.0481% | 1,200 |
| Credit loss provision to net charge-offs | 163.2353% | 1,247 |
| Earnings coverage of net charge-offs (x) | 49.0324% | 1,378 |
| Efficiency ratio | 59.6481% | 3,105 |
| Assets per employee ($millions) | 5.6673% | 3,066 |
| Cash dividends to net income (ytd only)* | 78.2972% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 3,015 |
| Loan loss allowance to noncurrent loans | 606.1166% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 2,677 |
| Noncurrent loans to loans | 0.1773% | 2,598 |
| Net loans and leases to total assets | 67.8700% | 1,841 |
| Net loans and leases to deposits | 83.3231% | 1,516 |
| Net loans and leases to core deposits | 94.1277% | 1,289 |
| Total domestic deposits to total assets | 81.4500% | 3,700 |
| Equity capital to assets | 5.5378% | 4,232 |
| Core capital (leverage) ratio | 8.2189% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8715% | 2,983 |
| Memoranda: | ||
| Average total assets | $1,069,179,800 | 927 |
| Average earning assets | $996,272,800 | 908 |
| Average equity | $69,138,800 | 1,265 |
| Average total loans | $706,373,400 | 900 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8178% | 1,696 |
| Cost of funding earning assets | 0.3330% | 1,830 |
| Net interest margin | 3.4848% | 1,707 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.4286% | 2,232 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.1916% | 1,730 |
| Return on assets (ROA) | 1.1925% | 1,701 |
| Pretax return on assets | 1.4591% | 1,530 |
| Return on Equity (ROE) | 17.7400% | 678 |
| Retained earnings to average equity (ytd only) | -1.7647% | 4,476 |
| Net charge-offs to loans | 0.0645% | 843 |
| Credit loss provision to net charge-offs | 77.0393% | 1,428 |
| Earnings coverage of net charge-offs (x) | 35.3776% | 1,441 |
| Efficiency ratio | 61.9669% | 2,827 |
| Assets per employee ($millions) | 5.1962% | 3,504 |
| Cash dividends to net income (ytd only)* | 109.9488% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 2,952 |
| Loan loss allowance to noncurrent loans | 510.9249% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 2,578 |
| Noncurrent loans to loans | 0.2180% | 2,520 |
| Net loans and leases to total assets | 66.6500% | 1,821 |
| Net loans and leases to deposits | 76.4875% | 1,835 |
| Net loans and leases to core deposits | 83.7776% | 1,668 |
| Total domestic deposits to total assets | 87.1400% | 2,716 |
| Equity capital to assets | 5.0283% | 4,289 |
| Core capital (leverage) ratio | 8.2539% | 4,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9949% | 3,039 |
| Memoranda: | ||
| Average total assets | $1,047,440,000 | 945 |
| Average earning assets | $976,181,500 | 930 |
| Average equity | $70,417,250 | 1,256 |
| Average total loans | $684,672,750 | 921 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7042% | 1,524 |
| Cost of funding earning assets | 0.2866% | 1,833 |
| Net interest margin | 3.4176% | 1,549 |
| Noninterest income to average assets | 0.7332% | 1,222 |
| Noninterest expense to average assets | 2.5014% | 1,924 |
| Loan and lease loss provision to assets | -0.0194% | 4,427 |
| Net operating income to assets | 1.1784% | 1,506 |
| Return on assets (ROA) | 1.1797% | 1,475 |
| Pretax return on assets | 1.4427% | 1,328 |
| Return on Equity (ROE) | 16.1085% | 682 |
| Retained earnings to average equity (ytd only) | -11.1716% | 4,682 |
| Net charge-offs to loans | 0.0135% | 1,508 |
| Credit loss provision to net charge-offs | -222.2222% | 3,230 |
| Earnings coverage of net charge-offs (x) | 162.8889% | 603 |
| Efficiency ratio | 63.7595% | 2,797 |
| Assets per employee ($millions) | 5.0930% | 3,597 |
| Cash dividends to net income (ytd only)* | 169.3522% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 2,848 |
| Loan loss allowance to noncurrent loans | 509.1703% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 2,656 |
| Noncurrent loans to loans | 0.2298% | 2,571 |
| Net loans and leases to total assets | 65.0700% | 1,805 |
| Net loans and leases to deposits | 71.7341% | 2,049 |
| Net loans and leases to core deposits | 78.2769% | 1,840 |
| Total domestic deposits to total assets | 90.7100% | 1,378 |
| Equity capital to assets | 5.4428% | 4,382 |
| Core capital (leverage) ratio | 8.2983% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,031,121,000 | 949 |
| Average earning assets | $962,429,667 | 944 |
| Average equity | $75,513,000 | 1,221 |
| Average total loans | $666,555,000 | 933 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6219% | 1,445 |
| Cost of funding earning assets | 0.2741% | 1,887 |
| Net interest margin | 3.3478% | 1,448 |
| Noninterest income to average assets | 0.5691% | 1,829 |
| Noninterest expense to average assets | 2.3976% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0737% | 1,607 |
| Return on assets (ROA) | 1.0737% | 1,601 |
| Pretax return on assets | 1.3038% | 1,498 |
| Return on Equity (ROE) | 12.9322% | 1,053 |
| Retained earnings to average equity (ytd only) | -30.8857% | 4,748 |
| Net charge-offs to loans | -0.0104% | 3,604 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7753% | 2,938 |
| Assets per employee ($millions) | 5.1125% | 3,652 |
| Cash dividends to net income (ytd only)* | 338.8278% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,612 |
| Loan loss allowance to noncurrent loans | 230.3903% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 1,698 |
| Noncurrent loans to loans | 0.5420% | 1,687 |
| Net loans and leases to total assets | 64.0545% | 1,611 |
| Net loans and leases to deposits | 71.2310% | 1,838 |
| Net loans and leases to core deposits | 77.3732% | 1,665 |
| Total domestic deposits to total assets | 89.9250% | 1,609 |
| Equity capital to assets | 7.1373% | 4,141 |
| Core capital (leverage) ratio | 8.3984% | 3,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,017,009,500 | 963 |
| Average earning assets | $951,543,500 | 961 |
| Average equity | $84,440,500 | 1,144 |
| Average total loans | $651,094,000 | 946 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9317% | 1,539 |
| Cost of funding earning assets | 0.4005% | 1,542 |
| Net interest margin | 3.5311% | 1,649 |
| Noninterest income to average assets | 0.7073% | 1,740 |
| Noninterest expense to average assets | 2.4007% | 2,489 |
| Loan and lease loss provision to assets | 0.1164% | 1,080 |
| Net operating income to assets | 1.2298% | 1,816 |
| Return on assets (ROA) | 1.2477% | 1,810 |
| Pretax return on assets | 1.5239% | 1,640 |
| Return on Equity (ROE) | 13.3627% | 1,354 |
| Retained earnings to average equity (ytd only) | 8.9732% | 1,214 |
| Net charge-offs to loans | -0.0095% | 3,730 |
| Credit loss provision to net charge-offs | -1,893.3333% | 4,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7328% | 3,190 |
| Assets per employee ($millions) | 5.2145% | 3,549 |
| Cash dividends to net income (ytd only)* | 32.8488% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 2,322 |
| Loan loss allowance to noncurrent loans | 259.5127% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 1,962 |
| Noncurrent loans to loans | 0.5036% | 1,865 |
| Net loans and leases to total assets | 62.3332% | 1,901 |
| Net loans and leases to deposits | 69.7532% | 2,155 |
| Net loans and leases to core deposits | 75.9601% | 1,924 |
| Total domestic deposits to total assets | 89.3624% | 1,314 |
| Equity capital to assets | 9.4929% | 3,155 |
| Core capital (leverage) ratio | 9.1189% | 3,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $975,928,600 | 975 |
| Average earning assets | $915,282,800 | 970 |
| Average equity | $91,126,800 | 1,089 |
| Average total loans | $629,144,000 | 962 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8487% | 1,917 |
| Cost of funding earning assets | 0.4334% | 1,463 |
| Net interest margin | 3.4154% | 2,113 |
| Noninterest income to average assets | 0.6777% | 1,898 |
| Noninterest expense to average assets | 2.4005% | 2,441 |
| Loan and lease loss provision to assets | 0.1639% | 670 |
| Net operating income to assets | 1.0831% | 2,615 |
| Return on assets (ROA) | 1.0831% | 2,674 |
| Pretax return on assets | 1.3144% | 2,587 |
| Return on Equity (ROE) | 11.6499% | 2,158 |
| Retained earnings to average equity (ytd only) | 7.2068% | 2,339 |
| Net charge-offs to loans | -0.0136% | 3,800 |
| Credit loss provision to net charge-offs | -1,859.3750% | 3,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8885% | 2,716 |
| Assets per employee ($millions) | 5.1034% | 3,602 |
| Cash dividends to net income (ytd only)* | 38.1388% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 2,292 |
| Loan loss allowance to noncurrent loans | 579.6951% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 3,138 |
| Noncurrent loans to loans | 0.2306% | 3,016 |
| Net loans and leases to total assets | 62.3464% | 1,965 |
| Net loans and leases to deposits | 69.0262% | 2,327 |
| Net loans and leases to core deposits | 75.2167% | 2,120 |
| Total domestic deposits to total assets | 90.3227% | 628 |
| Equity capital to assets | 9.4251% | 3,440 |
| Core capital (leverage) ratio | 8.9858% | 3,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $968,309,500 | 993 |
| Average earning assets | $907,562,500 | 993 |
| Average equity | $90,024,250 | 1,112 |
| Average total loans | $627,522,250 | 983 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7741% | 2,135 |
| Cost of funding earning assets | 0.4678% | 1,399 |
| Net interest margin | 3.3062% | 2,418 |
| Noninterest income to average assets | 0.6853% | 1,866 |
| Noninterest expense to average assets | 2.3177% | 2,709 |
| Loan and lease loss provision to assets | 0.1852% | 617 |
| Net operating income to assets | 1.0547% | 2,697 |
| Return on assets (ROA) | 1.0547% | 2,777 |
| Pretax return on assets | 1.2798% | 2,682 |
| Return on Equity (ROE) | 11.3981% | 2,264 |
| Retained earnings to average equity (ytd only) | 6.9000% | 2,466 |
| Net charge-offs to loans | 0.0118% | 1,721 |
| Credit loss provision to net charge-offs | 2,405.4054% | 254 |
| Earnings coverage of net charge-offs (x) | 190.2703% | 508 |
| Efficiency ratio | 61.2697% | 2,837 |
| Assets per employee ($millions) | 5.1023% | 3,559 |
| Cash dividends to net income (ytd only)* | 39.4633% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 2,554 |
| Loan loss allowance to noncurrent loans | 203.9959% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 2,012 |
| Noncurrent loans to loans | 0.6255% | 1,847 |
| Net loans and leases to total assets | 62.2463% | 2,149 |
| Net loans and leases to deposits | 69.8627% | 2,424 |
| Net loans and leases to core deposits | 76.3743% | 2,201 |
| Total domestic deposits to total assets | 89.0980% | 1,229 |
| Equity capital to assets | 9.2191% | 3,591 |
| Core capital (leverage) ratio | 8.8154% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $961,056,333 | 995 |
| Average earning assets | $900,359,000 | 995 |
| Average equity | $88,927,333 | 1,116 |
| Average total loans | $628,150,667 | 981 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6942% | 2,372 |
| Cost of funding earning assets | 0.4993% | 1,398 |
| Net interest margin | 3.1949% | 2,716 |
| Noninterest income to average assets | 0.7428% | 1,737 |
| Noninterest expense to average assets | 2.2449% | 2,958 |
| Loan and lease loss provision to assets | 0.1268% | 1,082 |
| Net operating income to assets | 1.1231% | 2,408 |
| Return on assets (ROA) | 1.1231% | 2,481 |
| Pretax return on assets | 1.3614% | 2,392 |
| Return on Equity (ROE) | 12.1144% | 1,980 |
| Retained earnings to average equity (ytd only) | 7.5567% | 2,398 |
| Net charge-offs to loans | 0.0444% | 1,034 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 50.3143% | 897 |
| Efficiency ratio | 60.1358% | 3,016 |
| Assets per employee ($millions) | 5.2279% | 3,401 |
| Cash dividends to net income (ytd only)* | 37.6223% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 3,098 |
| Loan loss allowance to noncurrent loans | 179.4427% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 2,126 |
| Noncurrent loans to loans | 0.6518% | 1,939 |
| Net loans and leases to total assets | 63.4543% | 2,107 |
| Net loans and leases to deposits | 72.1003% | 2,306 |
| Net loans and leases to core deposits | 79.6920% | 2,031 |
| Total domestic deposits to total assets | 88.0083% | 1,837 |
| Equity capital to assets | 8.9161% | 3,769 |
| Core capital (leverage) ratio | 9.0425% | 3,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $946,660,000 | 995 |
| Average earning assets | $886,043,000 | 995 |
| Average equity | $87,763,500 | 1,119 |
| Average total loans | $630,172,000 | 975 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2906% | 1,894 |
| Cost of funding earning assets | 0.7112% | 1,668 |
| Net interest margin | 3.5794% | 2,218 |
| Noninterest income to average assets | 0.6729% | 1,941 |
| Noninterest expense to average assets | 2.5676% | 2,649 |
| Loan and lease loss provision to assets | 0.1595% | 2,380 |
| Net operating income to assets | 1.0693% | 2,030 |
| Return on assets (ROA) | 1.1858% | 1,709 |
| Pretax return on assets | 1.4103% | 1,625 |
| Return on Equity (ROE) | 11.8361% | 1,373 |
| Retained earnings to average equity (ytd only) | 4.5255% | 2,519 |
| Net charge-offs to loans | 0.0341% | 2,365 |
| Credit loss provision to net charge-offs | 652.1739% | 1,051 |
| Earnings coverage of net charge-offs (x) | 58.5217% | 1,082 |
| Efficiency ratio | 64.2116% | 2,786 |
| Assets per employee ($millions) | 4.6719% | 3,740 |
| Cash dividends to net income (ytd only)* | 61.7653% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,337 |
| Loan loss allowance to noncurrent loans | 134.9848% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 1,822 |
| Noncurrent loans to loans | 0.8327% | 1,683 |
| Net loans and leases to total assets | 68.3139% | 1,784 |
| Net loans and leases to deposits | 78.4299% | 2,031 |
| Net loans and leases to core deposits | 87.2779% | 1,766 |
| Total domestic deposits to total assets | 87.1019% | 1,889 |
| Equity capital to assets | 9.6496% | 3,457 |
| Core capital (leverage) ratio | 9.1803% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $846,506,000 | 1,013 |
| Average earning assets | $786,535,800 | 1,005 |
| Average equity | $84,808,000 | 1,099 |
| Average total loans | $606,346,800 | 966 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2786% | 2,166 |
| Cost of funding earning assets | 0.7594% | 1,681 |
| Net interest margin | 3.5192% | 2,525 |
| Noninterest income to average assets | 0.6681% | 1,914 |
| Noninterest expense to average assets | 2.6322% | 2,442 |
| Loan and lease loss provision to assets | 0.1487% | 2,538 |
| Net operating income to assets | 0.9825% | 2,400 |
| Return on assets (ROA) | 0.9894% | 2,510 |
| Pretax return on assets | 1.1591% | 2,529 |
| Return on Equity (ROE) | 9.7758% | 2,100 |
| Retained earnings to average equity (ytd only) | 5.0094% | 2,557 |
| Net charge-offs to loans | 0.0494% | 1,905 |
| Credit loss provision to net charge-offs | 416.6667% | 1,429 |
| Earnings coverage of net charge-offs (x) | 36.4144% | 1,430 |
| Efficiency ratio | 66.9420% | 2,321 |
| Assets per employee ($millions) | 4.5417% | 3,791 |
| Cash dividends to net income (ytd only)* | 48.7567% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 3,280 |
| Loan loss allowance to noncurrent loans | 293.1019% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 2,578 |
| Noncurrent loans to loans | 0.3705% | 2,954 |
| Net loans and leases to total assets | 67.5726% | 2,300 |
| Net loans and leases to deposits | 77.8571% | 2,546 |
| Net loans and leases to core deposits | 87.5470% | 2,187 |
| Total domestic deposits to total assets | 86.7906% | 1,739 |
| Equity capital to assets | 9.7541% | 3,476 |
| Core capital (leverage) ratio | 9.2849% | 3,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $829,208,500 | 1,015 |
| Average earning assets | $769,053,000 | 1,009 |
| Average equity | $83,919,750 | 1,102 |
| Average total loans | $599,768,750 | 971 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 2,088 |
| Cost of funding earning assets | 0.8073% | 1,790 |
| Net interest margin | 3.6368% | 2,356 |
| Noninterest income to average assets | 0.6564% | 1,911 |
| Noninterest expense to average assets | 2.7270% | 2,302 |
| Loan and lease loss provision to assets | 0.1489% | 2,517 |
| Net operating income to assets | 0.9730% | 2,414 |
| Return on assets (ROA) | 0.9835% | 2,519 |
| Pretax return on assets | 1.1580% | 2,508 |
| Return on Equity (ROE) | 9.5893% | 2,114 |
| Retained earnings to average equity (ytd only) | 4.7499% | 2,586 |
| Net charge-offs to loans | -0.0061% | 4,066 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8104% | 2,261 |
| Assets per employee ($millions) | 4.3058% | 3,991 |
| Cash dividends to net income (ytd only)* | 50.4668% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,179 |
| Loan loss allowance to noncurrent loans | 190.9539% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 2,181 |
| Noncurrent loans to loans | 0.5655% | 2,465 |
| Net loans and leases to total assets | 69.3631% | 2,132 |
| Net loans and leases to deposits | 80.1207% | 2,407 |
| Net loans and leases to core deposits | 89.1977% | 2,141 |
| Total domestic deposits to total assets | 86.5732% | 1,779 |
| Equity capital to assets | 9.9186% | 3,275 |
| Core capital (leverage) ratio | 9.6444% | 3,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $805,857,333 | 1,025 |
| Average earning assets | $745,653,333 | 1,017 |
| Average equity | $82,654,667 | 1,108 |
| Average total loans | $594,916,333 | 969 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6752% | 1,793 |
| Cost of funding earning assets | 0.8642% | 2,036 |
| Net interest margin | 3.8110% | 1,930 |
| Noninterest income to average assets | 0.6854% | 1,700 |
| Noninterest expense to average assets | 2.8908% | 2,150 |
| Loan and lease loss provision to assets | 0.1551% | 1,853 |
| Net operating income to assets | 0.9753% | 2,261 |
| Return on assets (ROA) | 0.9960% | 2,289 |
| Pretax return on assets | 1.1785% | 2,275 |
| Return on Equity (ROE) | 9.5341% | 1,898 |
| Retained earnings to average equity (ytd only) | 4.5864% | 2,464 |
| Net charge-offs to loans | -0.0531% | 4,655 |
| Credit loss provision to net charge-offs | -384.6154% | 3,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8285% | 2,531 |
| Assets per employee ($millions) | 3.9080% | 4,037 |
| Cash dividends to net income (ytd only)* | 51.8941% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,286 |
| Loan loss allowance to noncurrent loans | 162.2603% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 1,991 |
| Noncurrent loans to loans | 0.6689% | 2,320 |
| Net loans and leases to total assets | 73.9923% | 1,604 |
| Net loans and leases to deposits | 86.2954% | 1,960 |
| Net loans and leases to core deposits | 97.6259% | 1,670 |
| Total domestic deposits to total assets | 85.7430% | 2,108 |
| Equity capital to assets | 10.1706% | 3,629 |
| Core capital (leverage) ratio | 10.3258% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $773,897,000 | 1,028 |
| Average earning assets | $713,720,000 | 1,017 |
| Average equity | $80,847,000 | 1,124 |
| Average total loans | $587,429,000 | 956 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 2,388 |
| Cost of funding earning assets | 0.7355% | 2,995 |
| Net interest margin | 3.9436% | 2,021 |
| Noninterest income to average assets | 0.7589% | 1,593 |
| Noninterest expense to average assets | 3.0485% | 1,885 |
| Loan and lease loss provision to assets | 0.1929% | 1,059 |
| Net operating income to assets | 0.9934% | 2,874 |
| Return on assets (ROA) | 1.0135% | 2,891 |
| Pretax return on assets | 1.1744% | 2,932 |
| Return on Equity (ROE) | 9.3034% | 2,606 |
| Retained earnings to average equity (ytd only) | -0.8131% | 4,790 |
| Net charge-offs to loans | 0.1333% | 1,442 |
| Credit loss provision to net charge-offs | 192.5631% | 1,375 |
| Earnings coverage of net charge-offs (x) | 13.4183% | 2,362 |
| Efficiency ratio | 69.4041% | 2,262 |
| Assets per employee ($millions) | 3.7376% | 4,224 |
| Cash dividends to net income (ytd only)* | 108.7402% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 3,429 |
| Loan loss allowance to noncurrent loans | 165.1356% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 1,966 |
| Noncurrent loans to loans | 0.6123% | 2,355 |
| Net loans and leases to total assets | 76.2497% | 1,365 |
| Net loans and leases to deposits | 90.6676% | 1,519 |
| Net loans and leases to core deposits | 102.3177% | 1,382 |
| Total domestic deposits to total assets | 84.0980% | 2,820 |
| Equity capital to assets | 10.7284% | 3,235 |
| Core capital (leverage) ratio | 10.4205% | 3,046 |
| Tier 1 risk-based capital ratio | 12.3782% | 4,140 |
| Total risk-based capital ratio | 13.3131% | 4,203 |
| Memoranda: | ||
| Average total assets | $751,841,800 | 1,026 |
| Average earning assets | $692,725,800 | 1,016 |
| Average equity | $81,905,200 | 1,073 |
| Average total loans | $564,734,600 | 959 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 2,520 |
| Cost of funding earning assets | 0.7075% | 3,175 |
| Net interest margin | 3.9556% | 2,088 |
| Noninterest income to average assets | 0.7452% | 1,609 |
| Noninterest expense to average assets | 3.0852% | 1,745 |
| Loan and lease loss provision to assets | 0.1960% | 902 |
| Net operating income to assets | 0.9604% | 3,124 |
| Return on assets (ROA) | 0.9861% | 3,109 |
| Pretax return on assets | 1.1370% | 3,180 |
| Return on Equity (ROE) | 9.0167% | 2,884 |
| Retained earnings to average equity (ytd only) | -1.8998% | 4,920 |
| Net charge-offs to loans | 0.1246% | 1,264 |
| Credit loss provision to net charge-offs | 210.7280% | 1,253 |
| Earnings coverage of net charge-offs (x) | 14.0135% | 2,261 |
| Efficiency ratio | 70.2992% | 2,075 |
| Assets per employee ($millions) | 3.7277% | 4,248 |
| Cash dividends to net income (ytd only)* | 121.0698% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 3,481 |
| Loan loss allowance to noncurrent loans | 286.1546% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 2,769 |
| Noncurrent loans to loans | 0.3551% | 3,269 |
| Net loans and leases to total assets | 74.5694% | 1,708 |
| Net loans and leases to deposits | 85.8725% | 2,207 |
| Net loans and leases to core deposits | 96.8974% | 1,917 |
| Total domestic deposits to total assets | 86.8374% | 1,600 |
| Equity capital to assets | 10.6719% | 3,402 |
| Core capital (leverage) ratio | 10.4467% | 3,151 |
| Tier 1 risk-based capital ratio | 12.6242% | 4,070 |
| Total risk-based capital ratio | 13.5662% | 4,129 |
| Memoranda: | ||
| Average total assets | $748,252,250 | 1,028 |
| Average earning assets | $689,207,000 | 1,021 |
| Average equity | $81,831,250 | 1,061 |
| Average total loans | $558,370,000 | 966 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6377% | 2,550 |
| Cost of funding earning assets | 0.6780% | 3,285 |
| Net interest margin | 3.9596% | 2,060 |
| Noninterest income to average assets | 0.7462% | 1,536 |
| Noninterest expense to average assets | 3.1103% | 1,705 |
| Loan and lease loss provision to assets | 0.1817% | 981 |
| Net operating income to assets | 0.9873% | 2,966 |
| Return on assets (ROA) | 1.0275% | 2,895 |
| Pretax return on assets | 1.1430% | 3,103 |
| Return on Equity (ROE) | 9.3184% | 2,714 |
| Retained earnings to average equity (ytd only) | 4.9241% | 2,811 |
| Net charge-offs to loans | 0.1303% | 1,153 |
| Credit loss provision to net charge-offs | 187.5000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 13.2083% | 2,114 |
| Efficiency ratio | 70.8443% | 2,087 |
| Assets per employee ($millions) | 3.6860% | 4,264 |
| Cash dividends to net income (ytd only)* | 47.1575% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 3,683 |
| Loan loss allowance to noncurrent loans | 220.2681% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 2,486 |
| Noncurrent loans to loans | 0.4492% | 2,924 |
| Net loans and leases to total assets | 75.0777% | 1,709 |
| Net loans and leases to deposits | 85.4676% | 2,317 |
| Net loans and leases to core deposits | 95.0585% | 2,148 |
| Total domestic deposits to total assets | 87.8434% | 1,175 |
| Equity capital to assets | 11.3333% | 2,756 |
| Core capital (leverage) ratio | 10.9812% | 2,619 |
| Tier 1 risk-based capital ratio | 13.3995% | 3,630 |
| Total risk-based capital ratio | 14.3176% | 3,707 |
| Memoranda: | ||
| Average total assets | $742,943,670 | 1,032 |
| Average earning assets | $683,748,000 | 1,025 |
| Average equity | $81,924,330 | 1,055 |
| Average total loans | $552,596,000 | 973 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6020% | 2,525 |
| Cost of funding earning assets | 0.6528% | 3,307 |
| Net interest margin | 3.9492% | 2,022 |
| Noninterest income to average assets | 0.6975% | 1,625 |
| Noninterest expense to average assets | 3.0749% | 1,793 |
| Loan and lease loss provision to assets | 0.1347% | 1,291 |
| Net operating income to assets | 1.0662% | 2,595 |
| Return on assets (ROA) | 1.0683% | 2,636 |
| Pretax return on assets | 1.1254% | 3,069 |
| Return on Equity (ROE) | 9.8247% | 2,437 |
| Retained earnings to average equity (ytd only) | 5.3634% | 2,755 |
| Net charge-offs to loans | -0.0205% | 4,497 |
| Credit loss provision to net charge-offs | -892.8571% | 3,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9665% | 2,192 |
| Assets per employee ($millions) | 3.7781% | 4,226 |
| Cash dividends to net income (ytd only)* | 45.4087% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 3,642 |
| Loan loss allowance to noncurrent loans | 255.9502% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4657% | 2,748 |
| Noncurrent loans to loans | 0.3937% | 3,178 |
| Net loans and leases to total assets | 72.8735% | 2,010 |
| Net loans and leases to deposits | 82.6486% | 2,544 |
| Net loans and leases to core deposits | 91.9288% | 2,306 |
| Total domestic deposits to total assets | 88.1728% | 1,245 |
| Equity capital to assets | 10.9756% | 2,881 |
| Core capital (leverage) ratio | 10.7756% | 2,783 |
| Tier 1 risk-based capital ratio | 13.2648% | 3,731 |
| Total risk-based capital ratio | 14.1791% | 3,809 |
| Memoranda: | ||
| Average total assets | $742,131,000 | 1,036 |
| Average earning assets | $683,179,000 | 1,032 |
| Average equity | $80,694,500 | 1,067 |
| Average total loans | $546,598,500 | 994 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5261% | 2,382 |
| Cost of funding earning assets | 0.5869% | 2,810 |
| Net interest margin | 3.9392% | 2,195 |
| Noninterest income to average assets | 1.0595% | 836 |
| Noninterest expense to average assets | 2.9842% | 2,086 |
| Loan and lease loss provision to assets | 0.1304% | 1,688 |
| Net operating income to assets | 1.3977% | 1,440 |
| Return on assets (ROA) | 1.4035% | 1,410 |
| Pretax return on assets | 1.5877% | 1,503 |
| Return on Equity (ROE) | 13.2584% | 1,247 |
| Retained earnings to average equity (ytd only) | 3.2404% | 3,781 |
| Net charge-offs to loans | 0.1147% | 1,603 |
| Credit loss provision to net charge-offs | 161.4311% | 1,719 |
| Earnings coverage of net charge-offs (x) | 21.1937% | 1,955 |
| Efficiency ratio | 63.5534% | 3,254 |
| Assets per employee ($millions) | 3.8952% | 4,040 |
| Cash dividends to net income (ytd only)* | 75.5598% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 3,854 |
| Loan loss allowance to noncurrent loans | 269.0658% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 2,787 |
| Noncurrent loans to loans | 0.3611% | 3,245 |
| Net loans and leases to total assets | 72.9744% | 2,105 |
| Net loans and leases to deposits | 82.5529% | 2,669 |
| Net loans and leases to core deposits | 91.7688% | 2,426 |
| Total domestic deposits to total assets | 88.3972% | 1,118 |
| Equity capital to assets | 10.7695% | 2,911 |
| Core capital (leverage) ratio | 10.5886% | 2,943 |
| Tier 1 risk-based capital ratio | 13.2037% | 3,723 |
| Total risk-based capital ratio | 14.0840% | 3,835 |
| Memoranda: | ||
| Average total assets | $709,593,800 | 1,052 |
| Average earning assets | $655,001,200 | 1,047 |
| Average equity | $75,114,600 | 1,090 |
| Average total loans | $499,715,200 | 1,047 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4752% | 2,377 |
| Cost of funding earning assets | 0.5630% | 2,759 |
| Net interest margin | 3.9122% | 2,250 |
| Noninterest income to average assets | 1.1479% | 712 |
| Noninterest expense to average assets | 2.9779% | 2,083 |
| Loan and lease loss provision to assets | 0.1328% | 1,516 |
| Net operating income to assets | 1.4707% | 1,270 |
| Return on assets (ROA) | 1.4732% | 1,264 |
| Pretax return on assets | 1.6540% | 1,401 |
| Return on Equity (ROE) | 13.9806% | 1,130 |
| Retained earnings to average equity (ytd only) | 2.0556% | 4,566 |
| Net charge-offs to loans | 0.0360% | 2,362 |
| Credit loss provision to net charge-offs | 530.3030% | 664 |
| Earnings coverage of net charge-offs (x) | 71.2482% | 942 |
| Efficiency ratio | 62.5373% | 3,423 |
| Assets per employee ($millions) | 3.9830% | 3,914 |
| Cash dividends to net income (ytd only)* | 85.2968% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 3,535 |
| Loan loss allowance to noncurrent loans | 154.5199% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 2,721 |
| Noncurrent loans to loans | 0.6730% | 2,395 |
| Net loans and leases to total assets | 70.1077% | 2,629 |
| Net loans and leases to deposits | 78.9981% | 3,138 |
| Net loans and leases to core deposits | 87.4153% | 2,883 |
| Total domestic deposits to total assets | 88.7460% | 935 |
| Equity capital to assets | 10.3221% | 3,307 |
| Core capital (leverage) ratio | 10.4276% | 3,155 |
| Tier 1 risk-based capital ratio | 13.3768% | 3,692 |
| Total risk-based capital ratio | 14.3217% | 3,776 |
| Memoranda: | ||
| Average total assets | $702,944,250 | 1,060 |
| Average earning assets | $649,335,500 | 1,054 |
| Average equity | $74,072,250 | 1,104 |
| Average total loans | $489,018,250 | 1,072 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 2,625 |
| Cost of funding earning assets | 0.5109% | 2,923 |
| Net interest margin | 3.8298% | 2,455 |
| Noninterest income to average assets | 0.8023% | 1,469 |
| Noninterest expense to average assets | 2.8175% | 2,610 |
| Loan and lease loss provision to assets | 0.1379% | 1,419 |
| Net operating income to assets | 1.1899% | 2,240 |
| Return on assets (ROA) | 1.1936% | 2,227 |
| Pretax return on assets | 1.3916% | 2,178 |
| Return on Equity (ROE) | 11.2449% | 2,018 |
| Retained earnings to average equity (ytd only) | 0.5114% | 4,859 |
| Net charge-offs to loans | -0.0445% | 4,880 |
| Credit loss provision to net charge-offs | -448.1132% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8797% | 3,177 |
| Assets per employee ($millions) | 3.7297% | 4,315 |
| Cash dividends to net income (ytd only)* | 95.4523% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 3,034 |
| Loan loss allowance to noncurrent loans | 208.5703% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 3,186 |
| Noncurrent loans to loans | 0.5469% | 2,779 |
| Net loans and leases to total assets | 69.4622% | 2,659 |
| Net loans and leases to deposits | 77.9516% | 3,166 |
| Net loans and leases to core deposits | 86.2591% | 2,900 |
| Total domestic deposits to total assets | 89.1094% | 890 |
| Equity capital to assets | 10.5174% | 3,093 |
| Core capital (leverage) ratio | 10.6453% | 2,872 |
| Tier 1 risk-based capital ratio | 13.6479% | 3,531 |
| Total risk-based capital ratio | 14.6675% | 3,583 |
| Memoranda: | ||
| Average total assets | $688,982,330 | 1,075 |
| Average earning assets | $636,892,000 | 1,071 |
| Average equity | $73,135,670 | 1,114 |
| Average total loans | $476,134,330 | 1,096 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2217% | 2,814 |
| Cost of funding earning assets | 0.4896% | 2,872 |
| Net interest margin | 3.7322% | 2,678 |
| Noninterest income to average assets | 0.7625% | 1,579 |
| Noninterest expense to average assets | 2.7812% | 2,765 |
| Loan and lease loss provision to assets | 0.1449% | 1,288 |
| Net operating income to assets | 1.1102% | 2,379 |
| Return on assets (ROA) | 1.1177% | 2,364 |
| Pretax return on assets | 1.2950% | 2,385 |
| Return on Equity (ROE) | 10.4816% | 2,182 |
| Retained earnings to average equity (ytd only) | 6.6780% | 2,423 |
| Net charge-offs to loans | -0.0372% | 4,837 |
| Credit loss provision to net charge-offs | -568.1818% | 4,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0248% | 3,149 |
| Assets per employee ($millions) | 3.7768% | 4,317 |
| Cash dividends to net income (ytd only)* | 36.2882% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 3,418 |
| Loan loss allowance to noncurrent loans | 179.8827% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 2,970 |
| Noncurrent loans to loans | 0.6086% | 2,721 |
| Net loans and leases to total assets | 68.5145% | 2,695 |
| Net loans and leases to deposits | 77.0044% | 3,110 |
| Net loans and leases to core deposits | 85.1261% | 2,878 |
| Total domestic deposits to total assets | 88.9748% | 1,103 |
| Equity capital to assets | 10.6387% | 2,937 |
| Core capital (leverage) ratio | 10.8566% | 2,578 |
| Tier 1 risk-based capital ratio | 14.0598% | 3,350 |
| Total risk-based capital ratio | 15.0422% | 3,407 |
| Memoranda: | ||
| Average total assets | $690,343,000 | 1,083 |
| Average earning assets | $638,127,000 | 1,077 |
| Average equity | $73,615,000 | 1,115 |
| Average total loans | $473,105,500 | 1,115 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 2,442 |
| Cost of funding earning assets | 0.4488% | 2,789 |
| Net interest margin | 3.8178% | 2,364 |
| Noninterest income to average assets | 0.7720% | 1,683 |
| Noninterest expense to average assets | 2.8675% | 2,558 |
| Loan and lease loss provision to assets | 0.1328% | 1,732 |
| Net operating income to assets | 1.0482% | 2,059 |
| Return on assets (ROA) | 1.0733% | 1,984 |
| Pretax return on assets | 1.3330% | 2,236 |
| Return on Equity (ROE) | 10.4658% | 1,690 |
| Retained earnings to average equity (ytd only) | 8.1019% | 730 |
| Net charge-offs to loans | 0.1759% | 1,413 |
| Credit loss provision to net charge-offs | 115.0311% | 2,283 |
| Earnings coverage of net charge-offs (x) | 12.4261% | 2,476 |
| Efficiency ratio | 66.6489% | 3,142 |
| Assets per employee ($millions) | 3.7886% | 4,296 |
| Cash dividends to net income (ytd only)* | 22.5875% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,650 |
| Loan loss allowance to noncurrent loans | 165.1225% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 2,584 |
| Noncurrent loans to loans | 0.6338% | 2,634 |
| Net loans and leases to total assets | 67.0879% | 2,952 |
| Net loans and leases to deposits | 77.3035% | 3,191 |
| Net loans and leases to core deposits | 85.2218% | 2,967 |
| Total domestic deposits to total assets | 86.7851% | 2,095 |
| Equity capital to assets | 10.6882% | 2,953 |
| Core capital (leverage) ratio | 10.5967% | 2,741 |
| Tier 1 risk-based capital ratio | 14.2733% | 3,212 |
| Total risk-based capital ratio | 15.2283% | 3,279 |
| Memoranda: | ||
| Average total assets | $697,123,400 | 1,050 |
| Average earning assets | $644,635,200 | 1,041 |
| Average equity | $71,489,800 | 1,115 |
| Average total loans | $457,537,600 | 1,108 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2524% | 2,424 |
| Cost of funding earning assets | 0.4374% | 2,833 |
| Net interest margin | 3.8150% | 2,345 |
| Noninterest income to average assets | 0.7506% | 1,780 |
| Noninterest expense to average assets | 2.8835% | 2,463 |
| Loan and lease loss provision to assets | 0.1289% | 1,678 |
| Net operating income to assets | 1.0106% | 2,513 |
| Return on assets (ROA) | 1.0436% | 2,397 |
| Pretax return on assets | 1.3074% | 2,446 |
| Return on Equity (ROE) | 10.2844% | 1,991 |
| Retained earnings to average equity (ytd only) | 8.4210% | 1,044 |
| Net charge-offs to loans | 0.0379% | 2,684 |
| Credit loss provision to net charge-offs | 523.2558% | 608 |
| Earnings coverage of net charge-offs (x) | 56.6187% | 1,029 |
| Efficiency ratio | 67.3943% | 2,982 |
| Assets per employee ($millions) | 3.7720% | 4,335 |
| Cash dividends to net income (ytd only)* | 18.1186% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 3,118 |
| Loan loss allowance to noncurrent loans | 162.3329% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.6396% | 2,586 |
| Noncurrent loans to loans | 0.7177% | 2,564 |
| Net loans and leases to total assets | 65.3173% | 3,205 |
| Net loans and leases to deposits | 74.1516% | 3,544 |
| Net loans and leases to core deposits | 81.8391% | 3,302 |
| Total domestic deposits to total assets | 88.0861% | 1,322 |
| Equity capital to assets | 10.7024% | 3,160 |
| Core capital (leverage) ratio | 10.4133% | 3,074 |
| Tier 1 risk-based capital ratio | 14.5042% | 3,177 |
| Total risk-based capital ratio | 15.5787% | 3,185 |
| Memoranda: | ||
| Average total assets | $698,077,500 | 1,053 |
| Average earning assets | $645,545,250 | 1,047 |
| Average equity | $70,836,750 | 1,128 |
| Average total loans | $454,411,000 | 1,120 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 2,343 |
| Cost of funding earning assets | 0.4262% | 2,835 |
| Net interest margin | 3.8085% | 2,259 |
| Noninterest income to average assets | 0.7220% | 1,897 |
| Noninterest expense to average assets | 2.9419% | 2,291 |
| Loan and lease loss provision to assets | 0.1287% | 1,617 |
| Net operating income to assets | 0.9362% | 2,740 |
| Return on assets (ROA) | 0.9854% | 2,549 |
| Pretax return on assets | 1.2342% | 2,643 |
| Return on Equity (ROE) | 9.8897% | 2,087 |
| Retained earnings to average equity (ytd only) | 9.0574% | 821 |
| Net charge-offs to loans | 0.0208% | 2,815 |
| Credit loss provision to net charge-offs | 957.4468% | 397 |
| Earnings coverage of net charge-offs (x) | 96.8298% | 668 |
| Efficiency ratio | 69.3308% | 2,798 |
| Assets per employee ($millions) | 3.7877% | 4,296 |
| Cash dividends to net income (ytd only)* | 8.4156% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 3,458 |
| Loan loss allowance to noncurrent loans | 137.3383% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.7341% | 2,365 |
| Noncurrent loans to loans | 0.8174% | 2,359 |
| Net loans and leases to total assets | 65.7284% | 3,142 |
| Net loans and leases to deposits | 75.6625% | 3,381 |
| Net loans and leases to core deposits | 83.0601% | 3,170 |
| Total domestic deposits to total assets | 86.8705% | 2,001 |
| Equity capital to assets | 10.5079% | 3,330 |
| Core capital (leverage) ratio | 10.2239% | 3,240 |
| Tier 1 risk-based capital ratio | 13.9658% | 3,442 |
| Total risk-based capital ratio | 14.9922% | 3,482 |
| Memoranda: | ||
| Average total assets | $699,420,330 | 1,048 |
| Average earning assets | $646,664,330 | 1,045 |
| Average equity | $69,689,000 | 1,146 |
| Average total loans | $452,988,670 | 1,126 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2146% | 2,232 |
| Cost of funding earning assets | 0.4250% | 2,768 |
| Net interest margin | 3.7896% | 2,153 |
| Noninterest income to average assets | 0.6936% | 1,999 |
| Noninterest expense to average assets | 3.0251% | 2,094 |
| Loan and lease loss provision to assets | 0.1284% | 1,498 |
| Net operating income to assets | 0.8292% | 3,082 |
| Return on assets (ROA) | 0.8301% | 3,134 |
| Pretax return on assets | 1.0436% | 3,188 |
| Return on Equity (ROE) | 8.5634% | 2,638 |
| Retained earnings to average equity (ytd only) | 8.5634% | 1,250 |
| Net charge-offs to loans | 0.0295% | 2,172 |
| Credit loss provision to net charge-offs | 681.8182% | 468 |
| Earnings coverage of net charge-offs (x) | 62.1515% | 787 |
| Efficiency ratio | 72.0952% | 2,561 |
| Assets per employee ($millions) | 3.8490% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 3,700 |
| Loan loss allowance to noncurrent loans | 174.1103% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.5744% | 2,936 |
| Noncurrent loans to loans | 0.6339% | 2,929 |
| Net loans and leases to total assets | 63.8273% | 3,301 |
| Net loans and leases to deposits | 73.0152% | 3,512 |
| Net loans and leases to core deposits | 80.2983% | 3,264 |
| Total domestic deposits to total assets | 87.4164% | 2,026 |
| Equity capital to assets | 9.8650% | 3,912 |
| Core capital (leverage) ratio | 9.8490% | 3,693 |
| Tier 1 risk-based capital ratio | 13.8811% | 3,557 |
| Total risk-based capital ratio | 14.8849% | 3,603 |
| Memoranda: | ||
| Average total assets | $700,663,000 | 1,053 |
| Average earning assets | $647,554,500 | 1,047 |
| Average equity | $67,917,000 | 1,177 |
| Average total loans | $447,840,500 | 1,136 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2554% | 2,292 |
| Cost of funding earning assets | 0.5337% | 1,840 |
| Net interest margin | 3.7218% | 2,603 |
| Noninterest income to average assets | 0.8450% | 1,595 |
| Noninterest expense to average assets | 2.9163% | 2,619 |
| Loan and lease loss provision to assets | 0.0842% | 2,675 |
| Net operating income to assets | 1.0419% | 2,176 |
| Return on assets (ROA) | 1.0835% | 2,071 |
| Pretax return on assets | 1.3448% | 2,117 |
| Return on Equity (ROE) | 10.3369% | 1,835 |
| Retained earnings to average equity (ytd only) | -2.8527% | 5,582 |
| Net charge-offs to loans | 0.1993% | 1,389 |
| Credit loss provision to net charge-offs | 64.0162% | 3,193 |
| Earnings coverage of net charge-offs (x) | 10.4744% | 2,636 |
| Efficiency ratio | 67.9174% | 3,249 |
| Assets per employee ($millions) | 3.6218% | 4,578 |
| Cash dividends to net income (ytd only)* | 127.5969% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,910 |
| Loan loss allowance to noncurrent loans | 246.3039% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 3,321 |
| Noncurrent loans to loans | 0.5013% | 3,356 |
| Net loans and leases to total assets | 67.0692% | 2,917 |
| Net loans and leases to deposits | 77.2598% | 3,178 |
| Net loans and leases to core deposits | 84.7330% | 2,951 |
| Total domestic deposits to total assets | 86.8100% | 2,241 |
| Equity capital to assets | 9.4818% | 4,287 |
| Core capital (leverage) ratio | 9.9854% | 3,497 |
| Tier 1 risk-based capital ratio | 13.0432% | 4,039 |
| Total risk-based capital ratio | 14.1677% | 4,020 |
| Memoranda: | ||
| Average total assets | $564,167,400 | 1,235 |
| Average earning assets | $522,812,200 | 1,230 |
| Average equity | $59,137,400 | 1,305 |
| Average total loans | $372,319,600 | 1,267 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2649% | 2,279 |
| Cost of funding earning assets | 0.5439% | 1,757 |
| Net interest margin | 3.7210% | 2,636 |
| Noninterest income to average assets | 0.8230% | 1,676 |
| Noninterest expense to average assets | 2.9465% | 2,475 |
| Loan and lease loss provision to assets | 0.0712% | 2,788 |
| Net operating income to assets | 1.0131% | 2,372 |
| Return on assets (ROA) | 1.0683% | 2,235 |
| Pretax return on assets | 1.3232% | 2,341 |
| Return on Equity (ROE) | 9.9494% | 2,072 |
| Retained earnings to average equity (ytd only) | 5.3105% | 2,615 |
| Net charge-offs to loans | 0.1637% | 1,392 |
| Credit loss provision to net charge-offs | 66.3717% | 2,842 |
| Earnings coverage of net charge-offs (x) | 12.3717% | 2,398 |
| Efficiency ratio | 68.9592% | 3,048 |
| Assets per employee ($millions) | 3.4883% | 4,787 |
| Cash dividends to net income (ytd only)* | 46.6252% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3247% | 2,555 |
| Loan loss allowance to noncurrent loans | 228.1932% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 3,349 |
| Noncurrent loans to loans | 0.5805% | 3,268 |
| Net loans and leases to total assets | 65.9829% | 3,125 |
| Net loans and leases to deposits | 74.6663% | 3,533 |
| Net loans and leases to core deposits | 82.1088% | 3,273 |
| Total domestic deposits to total assets | 88.3705% | 1,199 |
| Equity capital to assets | 11.1294% | 2,887 |
| Core capital (leverage) ratio | 10.7481% | 2,732 |
| Tier 1 risk-based capital ratio | 14.6640% | 3,209 |
| Total risk-based capital ratio | 15.8700% | 3,169 |
| Memoranda: | ||
| Average total assets | $562,148,500 | 1,239 |
| Average earning assets | $521,171,750 | 1,229 |
| Average equity | $60,357,000 | 1,293 |
| Average total loans | $368,250,250 | 1,278 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 2,401 |
| Cost of funding earning assets | 0.5526% | 1,680 |
| Net interest margin | 3.6789% | 2,790 |
| Noninterest income to average assets | 0.8037% | 1,697 |
| Noninterest expense to average assets | 2.9576% | 2,493 |
| Loan and lease loss provision to assets | 0.0531% | 3,086 |
| Net operating income to assets | 0.9742% | 2,502 |
| Return on assets (ROA) | 1.0095% | 2,484 |
| Pretax return on assets | 1.2464% | 2,614 |
| Return on Equity (ROE) | 9.5159% | 2,264 |
| Retained earnings to average equity (ytd only) | 4.8414% | 2,834 |
| Net charge-offs to loans | 0.1198% | 1,635 |
| Credit loss provision to net charge-offs | 68.1818% | 2,494 |
| Earnings coverage of net charge-offs (x) | 16.1182% | 1,947 |
| Efficiency ratio | 70.1917% | 2,944 |
| Assets per employee ($millions) | 3.5147% | 4,733 |
| Cash dividends to net income (ytd only)* | 49.1228% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 2,461 |
| Loan loss allowance to noncurrent loans | 225.1014% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5277% | 3,448 |
| Noncurrent loans to loans | 0.6070% | 3,247 |
| Net loans and leases to total assets | 63.7157% | 3,409 |
| Net loans and leases to deposits | 71.8871% | 3,795 |
| Net loans and leases to core deposits | 78.8553% | 3,566 |
| Total domestic deposits to total assets | 88.6330% | 1,093 |
| Equity capital to assets | 10.8602% | 3,221 |
| Core capital (leverage) ratio | 10.4266% | 3,047 |
| Tier 1 risk-based capital ratio | 14.4056% | 3,377 |
| Total risk-based capital ratio | 15.6296% | 3,311 |
| Memoranda: | ||
| Average total assets | $564,651,670 | 1,244 |
| Average earning assets | $523,362,330 | 1,227 |
| Average equity | $59,900,000 | 1,300 |
| Average total loans | $367,373,670 | 1,276 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2276% | 2,383 |
| Cost of funding earning assets | 0.5501% | 1,712 |
| Net interest margin | 3.6775% | 2,769 |
| Noninterest income to average assets | 0.8155% | 1,572 |
| Noninterest expense to average assets | 3.0147% | 2,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9662% | 2,429 |
| Return on assets (ROA) | 1.0212% | 2,309 |
| Pretax return on assets | 1.2786% | 2,392 |
| Return on Equity (ROE) | 9.7424% | 2,098 |
| Retained earnings to average equity (ytd only) | 5.0065% | 2,939 |
| Net charge-offs to loans | -0.1249% | 5,718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3614% | 2,893 |
| Assets per employee ($millions) | 3.5066% | 4,794 |
| Cash dividends to net income (ytd only)* | 48.6111% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 2,336 |
| Loan loss allowance to noncurrent loans | 283.9912% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4878% | 3,650 |
| Noncurrent loans to loans | 0.4997% | 3,676 |
| Net loans and leases to total assets | 63.3444% | 3,336 |
| Net loans and leases to deposits | 71.0751% | 3,743 |
| Net loans and leases to core deposits | 78.5519% | 3,442 |
| Total domestic deposits to total assets | 89.1232% | 1,039 |
| Equity capital to assets | 10.5027% | 3,492 |
| Core capital (leverage) ratio | 10.3987% | 3,074 |
| Tier 1 risk-based capital ratio | 14.2010% | 3,564 |
| Total risk-based capital ratio | 15.4513% | 3,497 |
| Memoranda: | ||
| Average total assets | $564,045,500 | 1,247 |
| Average earning assets | $522,855,000 | 1,233 |
| Average equity | $59,123,000 | 1,309 |
| Average total loans | $368,291,000 | 1,275 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4146% | 1,853 |
| Cost of funding earning assets | 0.5811% | 1,489 |
| Net interest margin | 3.8335% | 2,261 |
| Noninterest income to average assets | 0.9436% | 1,331 |
| Noninterest expense to average assets | 3.0621% | 2,343 |
| Loan and lease loss provision to assets | 0.1331% | 1,793 |
| Net operating income to assets | 1.0231% | 2,244 |
| Return on assets (ROA) | 1.1060% | 1,962 |
| Pretax return on assets | 1.3999% | 1,903 |
| Return on Equity (ROE) | 10.7453% | 1,710 |
| Retained earnings to average equity (ytd only) | 5.0703% | 2,365 |
| Net charge-offs to loans | 0.2486% | 1,212 |
| Credit loss provision to net charge-offs | 80.1980% | 2,945 |
| Earnings coverage of net charge-offs (x) | 8.6062% | 2,926 |
| Efficiency ratio | 68.1966% | 3,529 |
| Assets per employee ($millions) | 3.3941% | 4,988 |
| Cash dividends to net income (ytd only)* | 52.8140% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 2,595 |
| Loan loss allowance to noncurrent loans | 218.6016% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 3,195 |
| Noncurrent loans to loans | 0.6236% | 3,317 |
| Net loans and leases to total assets | 65.4433% | 3,059 |
| Net loans and leases to deposits | 73.3112% | 3,574 |
| Net loans and leases to core deposits | 81.1547% | 3,230 |
| Total domestic deposits to total assets | 89.2679% | 984 |
| Equity capital to assets | 10.4609% | 3,404 |
| Core capital (leverage) ratio | 10.2783% | 3,181 |
| Tier 1 risk-based capital ratio | 13.7030% | 3,884 |
| Total risk-based capital ratio | 14.9135% | 3,840 |
| Memoranda: | ||
| Average total assets | $547,820,600 | 1,240 |
| Average earning assets | $506,817,200 | 1,233 |
| Average equity | $56,387,600 | 1,324 |
| Average total loans | $365,690,400 | 1,246 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 1,831 |
| Cost of funding earning assets | 0.5797% | 1,548 |
| Net interest margin | 3.8451% | 2,214 |
| Noninterest income to average assets | 0.9494% | 1,318 |
| Noninterest expense to average assets | 3.0799% | 2,274 |
| Loan and lease loss provision to assets | 0.2142% | 894 |
| Net operating income to assets | 0.9593% | 2,673 |
| Return on assets (ROA) | 1.0705% | 2,222 |
| Pretax return on assets | 1.3527% | 2,202 |
| Return on Equity (ROE) | 10.4441% | 1,919 |
| Retained earnings to average equity (ytd only) | 4.4747% | 3,279 |
| Net charge-offs to loans | 0.3262% | 813 |
| Credit loss provision to net charge-offs | 98.2043% | 2,332 |
| Earnings coverage of net charge-offs (x) | 6.5398% | 3,037 |
| Efficiency ratio | 68.3504% | 3,477 |
| Assets per employee ($millions) | 3.3648% | 5,036 |
| Cash dividends to net income (ytd only)* | 57.1560% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 2,447 |
| Loan loss allowance to noncurrent loans | 192.6676% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.6695% | 3,251 |
| Noncurrent loans to loans | 0.7432% | 3,104 |
| Net loans and leases to total assets | 64.8305% | 3,183 |
| Net loans and leases to deposits | 72.4776% | 3,706 |
| Net loans and leases to core deposits | 80.3022% | 3,406 |
| Total domestic deposits to total assets | 89.4490% | 798 |
| Equity capital to assets | 10.2143% | 3,913 |
| Core capital (leverage) ratio | 10.2275% | 3,336 |
| Tier 1 risk-based capital ratio | 13.4569% | 4,164 |
| Total risk-based capital ratio | 14.7057% | 4,091 |
| Memoranda: | ||
| Average total assets | $544,768,750 | 1,253 |
| Average earning assets | $503,896,500 | 1,248 |
| Average equity | $55,838,500 | 1,346 |
| Average total loans | $364,221,500 | 1,250 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4257% | 1,769 |
| Cost of funding earning assets | 0.5787% | 1,581 |
| Net interest margin | 3.8470% | 2,148 |
| Noninterest income to average assets | 0.9873% | 1,206 |
| Noninterest expense to average assets | 3.1148% | 2,200 |
| Loan and lease loss provision to assets | 0.3233% | 432 |
| Net operating income to assets | 0.8711% | 3,040 |
| Return on assets (ROA) | 1.0383% | 2,301 |
| Pretax return on assets | 1.3228% | 2,278 |
| Return on Equity (ROE) | 10.1173% | 2,018 |
| Retained earnings to average equity (ytd only) | 3.6365% | 3,710 |
| Net charge-offs to loans | 0.4584% | 558 |
| Credit loss provision to net charge-offs | 104.9161% | 1,985 |
| Earnings coverage of net charge-offs (x) | 4.6463% | 3,015 |
| Efficiency ratio | 68.5087% | 3,590 |
| Assets per employee ($millions) | 3.3274% | 5,112 |
| Cash dividends to net income (ytd only)* | 64.0569% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 2,474 |
| Loan loss allowance to noncurrent loans | 170.1320% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.7391% | 3,167 |
| Noncurrent loans to loans | 0.8561% | 2,989 |
| Net loans and leases to total assets | 65.1385% | 3,102 |
| Net loans and leases to deposits | 72.6796% | 3,655 |
| Net loans and leases to core deposits | 79.8492% | 3,401 |
| Total domestic deposits to total assets | 89.6242% | 829 |
| Equity capital to assets | 10.0846% | 3,940 |
| Core capital (leverage) ratio | 10.1538% | 3,393 |
| Tier 1 risk-based capital ratio | 13.3423% | 4,317 |
| Total risk-based capital ratio | 14.5924% | 4,246 |
| Memoranda: | ||
| Average total assets | $541,294,670 | 1,265 |
| Average earning assets | $500,802,670 | 1,260 |
| Average equity | $55,548,330 | 1,364 |
| Average total loans | $363,908,000 | 1,258 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 1,679 |
| Cost of funding earning assets | 0.5862% | 1,529 |
| Net interest margin | 3.8375% | 2,106 |
| Noninterest income to average assets | 1.0889% | 956 |
| Noninterest expense to average assets | 3.0776% | 2,341 |
| Loan and lease loss provision to assets | 0.6512% | 143 |
| Net operating income to assets | 0.7079% | 3,756 |
| Return on assets (ROA) | 1.0271% | 2,286 |
| Pretax return on assets | 1.3263% | 2,174 |
| Return on Equity (ROE) | 9.9210% | 2,042 |
| Retained earnings to average equity (ytd only) | 2.0130% | 4,668 |
| Net charge-offs to loans | 0.9594% | 248 |
| Credit loss provision to net charge-offs | 100.1144% | 1,604 |
| Earnings coverage of net charge-offs (x) | 2.4027% | 2,766 |
| Efficiency ratio | 66.3192% | 4,093 |
| Assets per employee ($millions) | 3.3325% | 5,192 |
| Cash dividends to net income (ytd only)* | 79.7101% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 2,612 |
| Loan loss allowance to noncurrent loans | 155.7601% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6852% | 3,435 |
| Noncurrent loans to loans | 0.9381% | 2,903 |
| Net loans and leases to total assets | 65.1279% | 2,916 |
| Net loans and leases to deposits | 72.8535% | 3,450 |
| Net loans and leases to core deposits | 80.0477% | 3,160 |
| Total domestic deposits to total assets | 89.3957% | 1,048 |
| Equity capital to assets | 10.2811% | 3,794 |
| Core capital (leverage) ratio | 10.1761% | 3,374 |
| Tier 1 risk-based capital ratio | 13.5008% | 4,319 |
| Total risk-based capital ratio | 14.7512% | 4,239 |
| Memoranda: | ||
| Average total assets | $537,433,000 | 1,273 |
| Average earning assets | $497,402,000 | 1,273 |
| Average equity | $55,639,500 | 1,371 |
| Average total loans | $364,408,000 | 1,258 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 1,439 |
| Cost of funding earning assets | 0.6330% | 1,526 |
| Net interest margin | 4.0102% | 1,870 |
| Noninterest income to average assets | 0.8449% | 1,700 |
| Noninterest expense to average assets | 3.0183% | 2,792 |
| Loan and lease loss provision to assets | 0.2740% | 788 |
| Net operating income to assets | 0.9565% | 2,593 |
| Return on assets (ROA) | 1.0212% | 2,367 |
| Pretax return on assets | 1.3323% | 2,137 |
| Return on Equity (ROE) | 10.1852% | 2,033 |
| Retained earnings to average equity (ytd only) | -0.1075% | 5,788 |
| Net charge-offs to loans | 0.4843% | 858 |
| Credit loss provision to net charge-offs | 87.2093% | 2,700 |
| Earnings coverage of net charge-offs (x) | 4.8453% | 3,551 |
| Efficiency ratio | 66.4749% | 4,162 |
| Assets per employee ($millions) | 3.2618% | 5,327 |
| Cash dividends to net income (ytd only)* | 101.0553% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 2,861 |
| Loan loss allowance to noncurrent loans | 126.7214% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.8453% | 3,095 |
| Noncurrent loans to loans | 1.1193% | 2,599 |
| Net loans and leases to total assets | 68.5675% | 2,481 |
| Net loans and leases to deposits | 76.7867% | 3,109 |
| Net loans and leases to core deposits | 84.3493% | 2,857 |
| Total domestic deposits to total assets | 89.2961% | 1,074 |
| Equity capital to assets | 10.4261% | 3,581 |
| Core capital (leverage) ratio | 10.1932% | 3,317 |
| Tier 1 risk-based capital ratio | 14.3806% | 3,848 |
| Total risk-based capital ratio | 15.6324% | 3,783 |
| Memoranda: | ||
| Average total assets | $547,492,800 | 1,222 |
| Average earning assets | $504,542,200 | 1,218 |
| Average equity | $54,893,400 | 1,330 |
| Average total loans | $355,146,000 | 1,244 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 1,572 |
| Cost of funding earning assets | 0.6285% | 1,610 |
| Net interest margin | 3.9681% | 1,974 |
| Noninterest income to average assets | 0.8397% | 1,745 |
| Noninterest expense to average assets | 3.0090% | 2,777 |
| Loan and lease loss provision to assets | 0.2660% | 797 |
| Net operating income to assets | 0.9907% | 2,496 |
| Return on assets (ROA) | 1.0172% | 2,433 |
| Pretax return on assets | 1.2517% | 2,567 |
| Return on Equity (ROE) | 10.2435% | 2,094 |
| Retained earnings to average equity (ytd only) | -1.2004% | 5,992 |
| Net charge-offs to loans | 0.4461% | 885 |
| Credit loss provision to net charge-offs | 93.5374% | 2,365 |
| Earnings coverage of net charge-offs (x) | 5.2228% | 3,306 |
| Efficiency ratio | 66.9554% | 4,055 |
| Assets per employee ($millions) | 3.3151% | 5,213 |
| Cash dividends to net income (ytd only)* | 111.7186% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 2,791 |
| Loan loss allowance to noncurrent loans | 115.6190% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 2,991 |
| Noncurrent loans to loans | 1.2855% | 2,492 |
| Net loans and leases to total assets | 66.1029% | 2,851 |
| Net loans and leases to deposits | 75.3490% | 3,265 |
| Net loans and leases to core deposits | 83.6121% | 2,930 |
| Total domestic deposits to total assets | 87.7290% | 1,907 |
| Equity capital to assets | 10.1332% | 4,007 |
| Core capital (leverage) ratio | 9.9245% | 3,773 |
| Tier 1 risk-based capital ratio | 14.3110% | 4,022 |
| Total risk-based capital ratio | 15.5633% | 3,942 |
| Memoranda: | ||
| Average total assets | $551,447,750 | 1,217 |
| Average earning assets | $507,843,250 | 1,219 |
| Average equity | $54,758,500 | 1,339 |
| Average total loans | $351,482,500 | 1,264 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 1,635 |
| Cost of funding earning assets | 0.6106% | 1,804 |
| Net interest margin | 3.9530% | 1,954 |
| Noninterest income to average assets | 0.9079% | 1,474 |
| Noninterest expense to average assets | 2.9996% | 2,830 |
| Loan and lease loss provision to assets | 0.3242% | 579 |
| Net operating income to assets | 0.9346% | 2,627 |
| Return on assets (ROA) | 0.9698% | 2,542 |
| Pretax return on assets | 1.2613% | 2,405 |
| Return on Equity (ROE) | 9.8321% | 2,231 |
| Retained earnings to average equity (ytd only) | 4.7188% | 3,141 |
| Net charge-offs to loans | 0.5549% | 734 |
| Credit loss provision to net charge-offs | 93.2642% | 2,127 |
| Earnings coverage of net charge-offs (x) | 4.4290% | 3,109 |
| Efficiency ratio | 66.0794% | 4,357 |
| Assets per employee ($millions) | 3.4155% | 5,024 |
| Cash dividends to net income (ytd only)* | 52.0059% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 2,855 |
| Loan loss allowance to noncurrent loans | 95.8977% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.2674% | 2,577 |
| Noncurrent loans to loans | 1.5739% | 2,204 |
| Net loans and leases to total assets | 62.9102% | 3,254 |
| Net loans and leases to deposits | 74.7043% | 3,242 |
| Net loans and leases to core deposits | 82.3635% | 2,931 |
| Total domestic deposits to total assets | 84.2123% | 3,852 |
| Equity capital to assets | 10.0932% | 3,979 |
| Core capital (leverage) ratio | 9.9877% | 3,629 |
| Tier 1 risk-based capital ratio | 14.7122% | 3,803 |
| Total risk-based capital ratio | 15.9644% | 3,754 |
| Memoranda: | ||
| Average total assets | $555,143,000 | 1,203 |
| Average earning assets | $509,986,670 | 1,202 |
| Average equity | $54,759,330 | 1,325 |
| Average total loans | $347,782,000 | 1,266 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5594% | 1,614 |
| Cost of funding earning assets | 0.6058% | 1,929 |
| Net interest margin | 3.9536% | 1,915 |
| Noninterest income to average assets | 0.7983% | 1,758 |
| Noninterest expense to average assets | 3.0935% | 2,554 |
| Loan and lease loss provision to assets | 0.3619% | 481 |
| Net operating income to assets | 0.7278% | 3,555 |
| Return on assets (ROA) | 0.8092% | 3,180 |
| Pretax return on assets | 1.0640% | 3,067 |
| Return on Equity (ROE) | 8.3013% | 2,797 |
| Retained earnings to average equity (ytd only) | 3.1037% | 4,260 |
| Net charge-offs to loans | 0.5578% | 662 |
| Credit loss provision to net charge-offs | 104.6025% | 1,601 |
| Earnings coverage of net charge-offs (x) | 3.8117% | 2,626 |
| Efficiency ratio | 70.1115% | 3,822 |
| Assets per employee ($millions) | 3.3696% | 5,214 |
| Cash dividends to net income (ytd only)* | 62.6118% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 2,795 |
| Loan loss allowance to noncurrent loans | 92.4049% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.3455% | 2,627 |
| Noncurrent loans to loans | 1.7098% | 2,271 |
| Net loans and leases to total assets | 61.1062% | 3,379 |
| Net loans and leases to deposits | 72.2351% | 3,311 |
| Net loans and leases to core deposits | 79.7411% | 2,996 |
| Total domestic deposits to total assets | 84.5935% | 4,047 |
| Equity capital to assets | 9.7452% | 4,169 |
| Core capital (leverage) ratio | 9.8887% | 3,733 |
| Tier 1 risk-based capital ratio | 14.4242% | 4,048 |
| Total risk-based capital ratio | 15.6767% | 4,007 |
| Memoranda: | ||
| Average total assets | $552,645,500 | 1,216 |
| Average earning assets | $505,156,500 | 1,224 |
| Average equity | $53,871,000 | 1,344 |
| Average total loans | $342,781,000 | 1,280 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6567% | 1,697 |
| Cost of funding earning assets | 0.7644% | 1,414 |
| Net interest margin | 3.8923% | 2,313 |
| Noninterest income to average assets | 0.9129% | 1,639 |
| Noninterest expense to average assets | 2.9193% | 3,314 |
| Loan and lease loss provision to assets | 0.4791% | 588 |
| Net operating income to assets | 0.8056% | 3,266 |
| Return on assets (ROA) | 0.8424% | 3,155 |
| Pretax return on assets | 1.1215% | 2,881 |
| Return on Equity (ROE) | 8.5018% | 2,779 |
| Retained earnings to average equity (ytd only) | 3.7183% | 3,574 |
| Net charge-offs to loans | 0.7280% | 883 |
| Credit loss provision to net charge-offs | 107.3529% | 2,233 |
| Earnings coverage of net charge-offs (x) | 3.4767% | 3,839 |
| Efficiency ratio | 65.2966% | 4,687 |
| Assets per employee ($millions) | 3.4336% | 5,015 |
| Cash dividends to net income (ytd only)* | 56.2649% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6155% | 2,698 |
| Loan loss allowance to noncurrent loans | 94.8126% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.4029% | 2,642 |
| Noncurrent loans to loans | 1.7039% | 2,358 |
| Net loans and leases to total assets | 60.9612% | 3,544 |
| Net loans and leases to deposits | 72.1625% | 3,500 |
| Net loans and leases to core deposits | 79.1734% | 3,220 |
| Total domestic deposits to total assets | 84.4777% | 3,976 |
| Equity capital to assets | 9.7506% | 4,103 |
| Core capital (leverage) ratio | 9.8994% | 3,702 |
| Tier 1 risk-based capital ratio | 14.3432% | 4,055 |
| Total risk-based capital ratio | 15.5955% | 3,999 |
| Memoranda: | ||
| Average total assets | $548,556,400 | 1,207 |
| Average earning assets | $501,429,600 | 1,213 |
| Average equity | $54,353,400 | 1,310 |
| Average total loans | $336,285,800 | 1,267 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6342% | 1,784 |
| Cost of funding earning assets | 0.7989% | 1,328 |
| Net interest margin | 3.8353% | 2,520 |
| Noninterest income to average assets | 0.8147% | 2,074 |
| Noninterest expense to average assets | 2.8578% | 3,454 |
| Loan and lease loss provision to assets | 0.5045% | 539 |
| Net operating income to assets | 0.7451% | 3,626 |
| Return on assets (ROA) | 0.7960% | 3,498 |
| Pretax return on assets | 1.0257% | 3,396 |
| Return on Equity (ROE) | 8.0022% | 3,122 |
| Retained earnings to average equity (ytd only) | 3.2433% | 4,368 |
| Net charge-offs to loans | 0.6071% | 1,026 |
| Credit loss provision to net charge-offs | 135.9058% | 1,731 |
| Earnings coverage of net charge-offs (x) | 3.9464% | 3,578 |
| Efficiency ratio | 66.1125% | 4,458 |
| Assets per employee ($millions) | 3.4692% | 4,904 |
| Cash dividends to net income (ytd only)* | 59.4695% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7600% | 2,422 |
| Loan loss allowance to noncurrent loans | 95.0163% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.5127% | 2,668 |
| Noncurrent loans to loans | 1.8523% | 2,430 |
| Net loans and leases to total assets | 59.0380% | 3,849 |
| Net loans and leases to deposits | 68.2011% | 4,039 |
| Net loans and leases to core deposits | 75.7880% | 3,640 |
| Total domestic deposits to total assets | 86.5646% | 2,927 |
| Equity capital to assets | 9.4910% | 4,567 |
| Core capital (leverage) ratio | 9.8999% | 3,812 |
| Tier 1 risk-based capital ratio | 14.2923% | 4,221 |
| Total risk-based capital ratio | 15.5460% | 4,160 |
| Memoranda: | ||
| Average total assets | $549,211,250 | 1,219 |
| Average earning assets | $502,339,500 | 1,224 |
| Average equity | $54,633,750 | 1,315 |
| Average total loans | $335,788,500 | 1,272 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6340% | 1,744 |
| Cost of funding earning assets | 0.8374% | 1,216 |
| Net interest margin | 3.7966% | 2,570 |
| Noninterest income to average assets | 0.7782% | 2,286 |
| Noninterest expense to average assets | 2.8971% | 3,345 |
| Loan and lease loss provision to assets | 0.4989% | 546 |
| Net operating income to assets | 0.6841% | 3,884 |
| Return on assets (ROA) | 0.7626% | 3,655 |
| Pretax return on assets | 0.9558% | 3,693 |
| Return on Equity (ROE) | 7.5495% | 3,325 |
| Retained earnings to average equity (ytd only) | 2.8559% | 4,494 |
| Net charge-offs to loans | 0.5694% | 1,158 |
| Credit loss provision to net charge-offs | 142.5000% | 1,598 |
| Earnings coverage of net charge-offs (x) | 3.8750% | 3,279 |
| Efficiency ratio | 68.1070% | 4,162 |
| Assets per employee ($millions) | 3.3844% | 5,103 |
| Cash dividends to net income (ytd only)* | 62.1712% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7255% | 2,688 |
| Loan loss allowance to noncurrent loans | 94.6310% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.4379% | 2,944 |
| Noncurrent loans to loans | 1.8234% | 2,604 |
| Net loans and leases to total assets | 60.6353% | 3,552 |
| Net loans and leases to deposits | 67.6479% | 4,062 |
| Net loans and leases to core deposits | 75.8814% | 3,556 |
| Total domestic deposits to total assets | 89.6336% | 1,241 |
| Equity capital to assets | 10.0821% | 3,816 |
| Core capital (leverage) ratio | 9.8415% | 3,732 |
| Tier 1 risk-based capital ratio | 14.3840% | 4,169 |
| Total risk-based capital ratio | 15.6377% | 4,128 |
| Memoranda: | ||
| Average total assets | $548,416,000 | 1,224 |
| Average earning assets | $502,031,330 | 1,225 |
| Average equity | $55,394,330 | 1,301 |
| Average total loans | $337,222,670 | 1,260 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6025% | 1,817 |
| Cost of funding earning assets | 0.8758% | 1,110 |
| Net interest margin | 3.7267% | 2,747 |
| Noninterest income to average assets | 0.7996% | 2,125 |
| Noninterest expense to average assets | 2.8859% | 3,394 |
| Loan and lease loss provision to assets | 0.5770% | 443 |
| Net operating income to assets | 0.6094% | 4,170 |
| Return on assets (ROA) | 0.6094% | 4,331 |
| Pretax return on assets | 0.7514% | 4,368 |
| Return on Equity (ROE) | 6.0283% | 4,034 |
| Retained earnings to average equity (ytd only) | 1.3966% | 5,279 |
| Net charge-offs to loans | 0.4929% | 1,217 |
| Credit loss provision to net charge-offs | 190.7143% | 1,134 |
| Earnings coverage of net charge-offs (x) | 4.3905% | 2,569 |
| Efficiency ratio | 68.4786% | 4,227 |
| Assets per employee ($millions) | 3.5449% | 4,887 |
| Cash dividends to net income (ytd only)* | 76.8322% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 3,060 |
| Loan loss allowance to noncurrent loans | 81.4432% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.6803% | 2,769 |
| Noncurrent loans to loans | 2.0721% | 2,542 |
| Net loans and leases to total assets | 59.6871% | 3,487 |
| Net loans and leases to deposits | 66.5775% | 3,973 |
| Net loans and leases to core deposits | 75.4189% | 3,396 |
| Total domestic deposits to total assets | 89.6505% | 1,262 |
| Equity capital to assets | 10.1119% | 4,000 |
| Core capital (leverage) ratio | 9.4481% | 4,168 |
| Tier 1 risk-based capital ratio | 14.0787% | 4,450 |
| Total risk-based capital ratio | 15.3321% | 4,405 |
| Memoranda: | ||
| Average total assets | $555,259,000 | 1,214 |
| Average earning assets | $508,767,000 | 1,224 |
| Average equity | $56,135,500 | 1,302 |
| Average total loans | $340,870,000 | 1,246 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8619% | 1,977 |
| Cost of funding earning assets | 1.0888% | 945 |
| Net interest margin | 3.7731% | 3,346 |
| Noninterest income to average assets | 0.8447% | 2,061 |
| Noninterest expense to average assets | 2.6865% | 4,450 |
| Loan and lease loss provision to assets | 0.7804% | 628 |
| Net operating income to assets | 0.6055% | 4,215 |
| Return on assets (ROA) | 0.7181% | 3,910 |
| Pretax return on assets | 0.9478% | 3,755 |
| Return on Equity (ROE) | 7.5493% | 3,313 |
| Retained earnings to average equity (ytd only) | 3.9137% | 3,448 |
| Net charge-offs to loans | 1.2271% | 815 |
| Credit loss provision to net charge-offs | 104.4193% | 2,860 |
| Earnings coverage of net charge-offs (x) | 2.1141% | 4,356 |
| Efficiency ratio | 62.9676% | 5,083 |
| Assets per employee ($millions) | 3.5510% | 4,902 |
| Cash dividends to net income (ytd only)* | 48.1580% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 3,634 |
| Loan loss allowance to noncurrent loans | 67.8695% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 1.7463% | 2,778 |
| Noncurrent loans to loans | 2.2506% | 2,403 |
| Net loans and leases to total assets | 61.1137% | 3,398 |
| Net loans and leases to deposits | 68.2187% | 3,950 |
| Net loans and leases to core deposits | 78.3095% | 3,217 |
| Total domestic deposits to total assets | 89.5849% | 1,200 |
| Equity capital to assets | 10.1077% | 4,028 |
| Core capital (leverage) ratio | 9.4116% | 4,241 |
| Tier 1 risk-based capital ratio | 13.7324% | 4,579 |
| Total risk-based capital ratio | 14.9840% | 4,530 |
| Memoranda: | ||
| Average total assets | $578,297,400 | 1,148 |
| Average earning assets | $524,443,800 | 1,151 |
| Average equity | $55,011,400 | 1,299 |
| Average total loans | $352,216,400 | 1,188 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8777% | 2,094 |
| Cost of funding earning assets | 1.1279% | 952 |
| Net interest margin | 3.7498% | 3,555 |
| Noninterest income to average assets | 0.7056% | 2,689 |
| Noninterest expense to average assets | 2.6867% | 4,418 |
| Loan and lease loss provision to assets | 0.6855% | 749 |
| Net operating income to assets | 0.5553% | 4,600 |
| Return on assets (ROA) | 0.7063% | 4,125 |
| Pretax return on assets | 0.9213% | 4,022 |
| Return on Equity (ROE) | 7.5375% | 3,508 |
| Retained earnings to average equity (ytd only) | 3.8797% | 4,159 |
| Net charge-offs to loans | 1.0771% | 964 |
| Credit loss provision to net charge-offs | 104.9685% | 2,803 |
| Earnings coverage of net charge-offs (x) | 2.1603% | 4,182 |
| Efficiency ratio | 65.5699% | 4,527 |
| Assets per employee ($millions) | 3.5631% | 4,819 |
| Cash dividends to net income (ytd only)* | 48.5280% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 3,942 |
| Loan loss allowance to noncurrent loans | 63.9082% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 2.2135% | 2,419 |
| Noncurrent loans to loans | 2.3504% | 2,454 |
| Net loans and leases to total assets | 60.9899% | 3,573 |
| Net loans and leases to deposits | 67.9954% | 4,182 |
| Net loans and leases to core deposits | 78.2159% | 3,421 |
| Total domestic deposits to total assets | 89.6972% | 1,012 |
| Equity capital to assets | 9.9643% | 4,543 |
| Core capital (leverage) ratio | 9.1099% | 4,900 |
| Tier 1 risk-based capital ratio | 13.3906% | 4,958 |
| Total risk-based capital ratio | 14.6418% | 4,917 |
| Memoranda: | ||
| Average total assets | $583,495,000 | 1,150 |
| Average earning assets | $527,799,250 | 1,154 |
| Average equity | $54,676,500 | 1,313 |
| Average total loans | $353,771,000 | 1,185 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9162% | 2,040 |
| Cost of funding earning assets | 1.1626% | 972 |
| Net interest margin | 3.7536% | 3,571 |
| Noninterest income to average assets | 0.6681% | 2,841 |
| Noninterest expense to average assets | 2.6984% | 4,435 |
| Loan and lease loss provision to assets | 0.6098% | 968 |
| Net operating income to assets | 0.5863% | 4,423 |
| Return on assets (ROA) | 0.6420% | 4,404 |
| Pretax return on assets | 0.8178% | 4,409 |
| Return on Equity (ROE) | 6.9921% | 3,788 |
| Retained earnings to average equity (ytd only) | 3.3024% | 4,406 |
| Net charge-offs to loans | 0.8034% | 1,367 |
| Credit loss provision to net charge-offs | 126.0504% | 2,178 |
| Earnings coverage of net charge-offs (x) | 2.8053% | 3,624 |
| Efficiency ratio | 66.5358% | 4,421 |
| Assets per employee ($millions) | 3.6839% | 4,553 |
| Cash dividends to net income (ytd only)* | 52.7704% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5506% | 3,776 |
| Loan loss allowance to noncurrent loans | 47.9095% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 2.3942% | 2,336 |
| Noncurrent loans to loans | 3.2366% | 1,799 |
| Net loans and leases to total assets | 59.2469% | 3,952 |
| Net loans and leases to deposits | 65.6723% | 4,544 |
| Net loans and leases to core deposits | 75.5561% | 3,808 |
| Total domestic deposits to total assets | 90.2159% | 804 |
| Equity capital to assets | 9.4747% | 5,098 |
| Core capital (leverage) ratio | 8.7933% | 5,228 |
| Tier 1 risk-based capital ratio | 13.1348% | 5,089 |
| Total risk-based capital ratio | 14.3866% | 5,058 |
| Memoranda: | ||
| Average total assets | $590,339,330 | 1,135 |
| Average earning assets | $532,767,330 | 1,148 |
| Average equity | $54,203,670 | 1,313 |
| Average total loans | $355,499,330 | 1,172 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9201% | 2,167 |
| Cost of funding earning assets | 1.2013% | 981 |
| Net interest margin | 3.7188% | 3,745 |
| Noninterest income to average assets | 0.6365% | 3,014 |
| Noninterest expense to average assets | 2.7180% | 4,366 |
| Loan and lease loss provision to assets | 0.6075% | 938 |
| Net operating income to assets | 0.6017% | 4,336 |
| Return on assets (ROA) | 0.6041% | 4,545 |
| Pretax return on assets | 0.6756% | 4,870 |
| Return on Equity (ROE) | 6.6845% | 3,952 |
| Retained earnings to average equity (ytd only) | 2.9501% | 4,777 |
| Net charge-offs to loans | 0.6599% | 1,482 |
| Credit loss provision to net charge-offs | 152.8014% | 1,642 |
| Earnings coverage of net charge-offs (x) | 3.2207% | 2,911 |
| Efficiency ratio | 67.9777% | 4,174 |
| Assets per employee ($millions) | 3.7131% | 4,629 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 4,076 |
| Loan loss allowance to noncurrent loans | 52.8348% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 2.2126% | 2,681 |
| Noncurrent loans to loans | 2.8719% | 2,249 |
| Net loans and leases to total assets | 59.0498% | 3,845 |
| Net loans and leases to deposits | 65.0074% | 4,488 |
| Net loans and leases to core deposits | 74.6494% | 3,809 |
| Total domestic deposits to total assets | 90.8356% | 623 |
| Equity capital to assets | 9.0220% | 5,460 |
| Core capital (leverage) ratio | 8.5920% | 5,452 |
| Tier 1 risk-based capital ratio | 13.0366% | 5,191 |
| Total risk-based capital ratio | 14.2882% | 5,154 |
| Memoranda: | ||
| Average total assets | $592,639,500 | 1,131 |
| Average earning assets | $535,763,500 | 1,143 |
| Average equity | $53,557,000 | 1,322 |
| Average total loans | $357,000,000 | 1,176 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1255% | 2,352 |
| Cost of funding earning assets | 1.5828% | 508 |
| Net interest margin | 3.5427% | 4,974 |
| Noninterest income to average assets | 0.7405% | 2,387 |
| Noninterest expense to average assets | 2.6354% | 4,974 |
| Loan and lease loss provision to assets | 0.9259% | 1,035 |
| Net operating income to assets | 0.4183% | 4,781 |
| Return on assets (ROA) | 0.5486% | 4,427 |
| Pretax return on assets | 0.5304% | 4,900 |
| Return on Equity (ROE) | 6.4326% | 3,682 |
| Retained earnings to average equity (ytd only) | 3.0926% | 4,031 |
| Net charge-offs to loans | 1.8944% | 761 |
| Credit loss provision to net charge-offs | 79.0018% | 4,500 |
| Earnings coverage of net charge-offs (x) | 1.1314% | 4,939 |
| Efficiency ratio | 66.5254% | 4,649 |
| Assets per employee ($millions) | 3.6493% | 4,666 |
| Cash dividends to net income (ytd only)* | 51.9237% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 4,356 |
| Loan loss allowance to noncurrent loans | 61.2996% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 1.8179% | 3,235 |
| Noncurrent loans to loans | 2.3226% | 2,835 |
| Net loans and leases to total assets | 59.6581% | 4,048 |
| Net loans and leases to deposits | 65.8392% | 4,762 |
| Net loans and leases to core deposits | 75.8029% | 4,008 |
| Total domestic deposits to total assets | 90.6118% | 660 |
| Equity capital to assets | 9.0521% | 5,493 |
| Core capital (leverage) ratio | 8.5475% | 5,484 |
| Tier 1 risk-based capital ratio | 12.8248% | 5,221 |
| Total risk-based capital ratio | 14.0755% | 5,199 |
| Memoranda: | ||
| Average total assets | $601,767,400 | 1,089 |
| Average earning assets | $547,123,600 | 1,090 |
| Average equity | $51,316,600 | 1,336 |
| Average total loans | $372,299,000 | 1,141 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1675% | 2,319 |
| Cost of funding earning assets | 1.6652% | 448 |
| Net interest margin | 3.5023% | 5,179 |
| Noninterest income to average assets | 0.6728% | 2,756 |
| Noninterest expense to average assets | 2.7047% | 4,705 |
| Loan and lease loss provision to assets | 0.5526% | 1,779 |
| Net operating income to assets | 0.5947% | 4,104 |
| Return on assets (ROA) | 0.6485% | 4,049 |
| Pretax return on assets | 0.6629% | 4,601 |
| Return on Equity (ROE) | 7.7214% | 3,166 |
| Retained earnings to average equity (ytd only) | 4.4017% | 3,595 |
| Net charge-offs to loans | 1.2108% | 1,292 |
| Credit loss provision to net charge-offs | 73.3743% | 4,370 |
| Earnings coverage of net charge-offs (x) | 1.5410% | 4,482 |
| Efficiency ratio | 69.9749% | 3,961 |
| Assets per employee ($millions) | 3.6929% | 4,555 |
| Cash dividends to net income (ytd only)* | 42.9932% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 3,912 |
| Loan loss allowance to noncurrent loans | 71.6399% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.7337% | 3,497 |
| Noncurrent loans to loans | 2.1519% | 3,179 |
| Net loans and leases to total assets | 60.1162% | 4,107 |
| Net loans and leases to deposits | 66.2197% | 4,869 |
| Net loans and leases to core deposits | 79.2891% | 3,736 |
| Total domestic deposits to total assets | 90.7829% | 519 |
| Equity capital to assets | 8.9444% | 5,813 |
| Core capital (leverage) ratio | 8.3848% | 5,874 |
| Tier 1 risk-based capital ratio | 12.5034% | 5,480 |
| Total risk-based capital ratio | 13.7553% | 5,479 |
| Memoranda: | ||
| Average total assets | $604,412,000 | 1,087 |
| Average earning assets | $550,941,750 | 1,089 |
| Average equity | $50,767,000 | 1,349 |
| Average total loans | $375,927,250 | 1,142 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1914% | 2,293 |
| Cost of funding earning assets | 1.6835% | 501 |
| Net interest margin | 3.5079% | 5,122 |
| Noninterest income to average assets | 0.6407% | 2,897 |
| Noninterest expense to average assets | 2.6760% | 4,916 |
| Loan and lease loss provision to assets | 0.4858% | 2,032 |
| Net operating income to assets | 0.6784% | 3,651 |
| Return on assets (ROA) | 0.6791% | 3,768 |
| Pretax return on assets | 0.6738% | 4,483 |
| Return on Equity (ROE) | 8.2625% | 2,830 |
| Retained earnings to average equity (ytd only) | 5.0058% | 3,002 |
| Net charge-offs to loans | 1.2331% | 1,268 |
| Credit loss provision to net charge-offs | 62.9550% | 4,276 |
| Earnings coverage of net charge-offs (x) | 1.5019% | 4,164 |
| Efficiency ratio | 69.7803% | 4,157 |
| Assets per employee ($millions) | 3.7184% | 4,388 |
| Cash dividends to net income (ytd only)* | 39.4161% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 3,891 |
| Loan loss allowance to noncurrent loans | 70.4069% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.7721% | 3,549 |
| Noncurrent loans to loans | 2.2058% | 3,219 |
| Net loans and leases to total assets | 60.0873% | 4,255 |
| Net loans and leases to deposits | 65.9413% | 5,008 |
| Net loans and leases to core deposits | 80.8532% | 3,669 |
| Total domestic deposits to total assets | 91.1224% | 457 |
| Equity capital to assets | 8.6324% | 6,025 |
| Core capital (leverage) ratio | 8.2649% | 5,923 |
| Tier 1 risk-based capital ratio | 12.2944% | 5,521 |
| Total risk-based capital ratio | 13.5464% | 5,507 |
| Memoranda: | ||
| Average total assets | $605,236,670 | 1,096 |
| Average earning assets | $551,099,330 | 1,099 |
| Average equity | $49,742,670 | 1,358 |
| Average total loans | $378,727,000 | 1,153 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1407% | 2,472 |
| Cost of funding earning assets | 1.6930% | 570 |
| Net interest margin | 3.4476% | 5,237 |
| Noninterest income to average assets | 0.6257% | 3,000 |
| Noninterest expense to average assets | 2.7145% | 4,776 |
| Loan and lease loss provision to assets | 0.4846% | 1,818 |
| Net operating income to assets | 0.5156% | 4,428 |
| Return on assets (ROA) | 0.5156% | 4,512 |
| Pretax return on assets | 0.5657% | 4,814 |
| Return on Equity (ROE) | 6.4344% | 3,658 |
| Retained earnings to average equity (ytd only) | 3.5545% | 4,055 |
| Net charge-offs to loans | 1.1138% | 1,247 |
| Credit loss provision to net charge-offs | 68.6916% | 3,375 |
| Earnings coverage of net charge-offs (x) | 1.4888% | 3,593 |
| Efficiency ratio | 72.1016% | 3,840 |
| Assets per employee ($millions) | 3.7504% | 4,422 |
| Cash dividends to net income (ytd only)* | 44.7570% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6521% | 3,517 |
| Loan loss allowance to noncurrent loans | 54.5272% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 2.3265% | 2,920 |
| Noncurrent loans to loans | 3.0299% | 2,480 |
| Net loans and leases to total assets | 61.1289% | 4,051 |
| Net loans and leases to deposits | 66.7166% | 4,875 |
| Net loans and leases to core deposits | 82.3703% | 3,407 |
| Total domestic deposits to total assets | 91.6248% | 385 |
| Equity capital to assets | 8.1418% | 6,354 |
| Core capital (leverage) ratio | 8.1226% | 6,093 |
| Tier 1 risk-based capital ratio | 11.7955% | 5,854 |
| Total risk-based capital ratio | 13.0484% | 5,862 |
| Memoranda: | ||
| Average total assets | $606,665,500 | 1,100 |
| Average earning assets | $552,381,000 | 1,103 |
| Average equity | $48,614,000 | 1,374 |
| Average total loans | $384,259,000 | 1,143 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4277% | 2,555 |
| Cost of funding earning assets | 1.7817% | 1,246 |
| Net interest margin | 3.6459% | 4,592 |
| Noninterest income to average assets | 0.8885% | 1,891 |
| Noninterest expense to average assets | 2.8311% | 4,474 |
| Loan and lease loss provision to assets | 0.7174% | 2,284 |
| Net operating income to assets | 0.5245% | 3,986 |
| Return on assets (ROA) | 0.7191% | 3,278 |
| Pretax return on assets | 0.8998% | 3,293 |
| Return on Equity (ROE) | 8.8768% | 2,347 |
| Retained earnings to average equity (ytd only) | 5.2502% | 2,276 |
| Net charge-offs to loans | 0.5245% | 3,526 |
| Credit loss provision to net charge-offs | 206.1856% | 1,502 |
| Earnings coverage of net charge-offs (x) | 3.9489% | 3,125 |
| Efficiency ratio | 67.3260% | 4,700 |
| Assets per employee ($millions) | 3.7164% | 4,423 |
| Cash dividends to net income (ytd only)* | 40.8551% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 3,283 |
| Loan loss allowance to noncurrent loans | 46.7639% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 2.8541% | 2,454 |
| Noncurrent loans to loans | 3.5970% | 2,086 |
| Net loans and leases to total assets | 63.4413% | 3,980 |
| Net loans and leases to deposits | 69.0852% | 4,950 |
| Net loans and leases to core deposits | 85.6978% | 3,362 |
| Total domestic deposits to total assets | 91.8305% | 315 |
| Equity capital to assets | 7.8844% | 6,600 |
| Core capital (leverage) ratio | 8.0546% | 6,111 |
| Tier 1 risk-based capital ratio | 11.2748% | 6,112 |
| Total risk-based capital ratio | 12.5283% | 6,095 |
| Memoranda: | ||
| Average total assets | $585,464,600 | 1,147 |
| Average earning assets | $532,567,600 | 1,148 |
| Average equity | $47,426,800 | 1,410 |
| Average total loans | $388,403,800 | 1,160 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4832% | 2,502 |
| Cost of funding earning assets | 1.7829% | 1,492 |
| Net interest margin | 3.7003% | 4,397 |
| Noninterest income to average assets | 0.7965% | 2,248 |
| Noninterest expense to average assets | 2.8585% | 4,250 |
| Loan and lease loss provision to assets | 0.5743% | 2,642 |
| Net operating income to assets | 0.6431% | 3,686 |
| Return on assets (ROA) | 0.6441% | 3,848 |
| Pretax return on assets | 0.7275% | 4,152 |
| Return on Equity (ROE) | 7.8967% | 2,957 |
| Retained earnings to average equity (ytd only) | 4.2638% | 3,491 |
| Net charge-offs to loans | 0.6165% | 2,898 |
| Credit loss provision to net charge-offs | 139.4311% | 2,861 |
| Earnings coverage of net charge-offs (x) | 3.1578% | 3,561 |
| Efficiency ratio | 68.7269% | 4,329 |
| Assets per employee ($millions) | 3.6878% | 4,534 |
| Cash dividends to net income (ytd only)* | 46.0058% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 4,953 |
| Loan loss allowance to noncurrent loans | 33.2187% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 3.0753% | 2,356 |
| Noncurrent loans to loans | 3.9199% | 1,932 |
| Net loans and leases to total assets | 64.5474% | 4,008 |
| Net loans and leases to deposits | 70.6197% | 5,065 |
| Net loans and leases to core deposits | 86.7981% | 3,544 |
| Total domestic deposits to total assets | 91.4015% | 333 |
| Equity capital to assets | 8.1223% | 6,696 |
| Core capital (leverage) ratio | 7.8375% | 6,536 |
| Tier 1 risk-based capital ratio | 10.5626% | 6,735 |
| Total risk-based capital ratio | 11.7448% | 6,770 |
| Memoranda: | ||
| Average total assets | $580,389,250 | 1,165 |
| Average earning assets | $527,438,250 | 1,172 |
| Average equity | $47,343,250 | 1,422 |
| Average total loans | $387,784,500 | 1,176 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5076% | 2,479 |
| Cost of funding earning assets | 1.8142% | 1,592 |
| Net interest margin | 3.6934% | 4,396 |
| Noninterest income to average assets | 0.7498% | 2,392 |
| Noninterest expense to average assets | 2.9169% | 4,014 |
| Loan and lease loss provision to assets | 0.5580% | 2,539 |
| Net operating income to assets | 0.5818% | 3,945 |
| Return on assets (ROA) | 0.5835% | 4,083 |
| Pretax return on assets | 0.6284% | 4,480 |
| Return on Equity (ROE) | 7.1420% | 3,235 |
| Retained earnings to average equity (ytd only) | 3.4707% | 3,893 |
| Net charge-offs to loans | 0.6010% | 2,725 |
| Credit loss provision to net charge-offs | 137.9310% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.9284% | 3,532 |
| Efficiency ratio | 71.1164% | 3,967 |
| Assets per employee ($millions) | 3.5948% | 4,712 |
| Cash dividends to net income (ytd only)* | 51.4047% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 5,204 |
| Loan loss allowance to noncurrent loans | 40.1556% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 2.7060% | 2,671 |
| Noncurrent loans to loans | 3.1039% | 2,587 |
| Net loans and leases to total assets | 66.4225% | 3,746 |
| Net loans and leases to deposits | 72.6262% | 4,892 |
| Net loans and leases to core deposits | 87.1325% | 3,670 |
| Total domestic deposits to total assets | 91.4581% | 344 |
| Equity capital to assets | 8.2001% | 6,542 |
| Core capital (leverage) ratio | 7.7848% | 6,518 |
| Tier 1 risk-based capital ratio | 10.5310% | 6,662 |
| Total risk-based capital ratio | 11.6657% | 6,736 |
| Memoranda: | ||
| Average total assets | $573,481,330 | 1,186 |
| Average earning assets | $520,440,670 | 1,189 |
| Average equity | $46,849,670 | 1,433 |
| Average total loans | $386,005,330 | 1,191 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4486% | 2,825 |
| Cost of funding earning assets | 1.8020% | 1,866 |
| Net interest margin | 3.6466% | 4,506 |
| Noninterest income to average assets | 0.7883% | 2,079 |
| Noninterest expense to average assets | 3.0159% | 3,619 |
| Loan and lease loss provision to assets | 0.5606% | 2,258 |
| Net operating income to assets | 0.5018% | 4,383 |
| Return on assets (ROA) | 0.5045% | 4,514 |
| Pretax return on assets | 0.5171% | 4,906 |
| Return on Equity (ROE) | 6.1876% | 3,777 |
| Retained earnings to average equity (ytd only) | 2.3203% | 4,744 |
| Net charge-offs to loans | 0.5432% | 2,441 |
| Credit loss provision to net charge-offs | 153.2567% | 2,340 |
| Earnings coverage of net charge-offs (x) | 2.9387% | 3,083 |
| Efficiency ratio | 73.7239% | 3,615 |
| Assets per employee ($millions) | 3.5615% | 4,906 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 5,348 |
| Loan loss allowance to noncurrent loans | 35.9057% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 2.8849% | 2,491 |
| Noncurrent loans to loans | 3.4208% | 2,330 |
| Net loans and leases to total assets | 65.7748% | 3,912 |
| Net loans and leases to deposits | 71.8496% | 5,071 |
| Net loans and leases to core deposits | 85.8632% | 3,919 |
| Total domestic deposits to total assets | 91.5451% | 358 |
| Equity capital to assets | 8.1421% | 6,501 |
| Core capital (leverage) ratio | 7.9074% | 6,372 |
| Tier 1 risk-based capital ratio | 10.5427% | 6,595 |
| Total risk-based capital ratio | 11.6541% | 6,711 |
| Memoranda: | ||
| Average total assets | $570,842,000 | 1,220 |
| Average earning assets | $516,975,000 | 1,224 |
| Average equity | $46,545,000 | 1,448 |
| Average total loans | $384,368,500 | 1,233 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9002% | 2,235 |
| Cost of funding earning assets | 2.1036% | 2,442 |
| Net interest margin | 3.7966% | 3,721 |
| Noninterest income to average assets | 0.9630% | 1,690 |
| Noninterest expense to average assets | 2.9928% | 4,169 |
| Loan and lease loss provision to assets | 0.4669% | 4,033 |
| Net operating income to assets | 0.8080% | 2,508 |
| Return on assets (ROA) | 0.8561% | 2,401 |
| Pretax return on assets | 1.0105% | 2,557 |
| Return on Equity (ROE) | 10.6942% | 1,502 |
| Retained earnings to average equity (ytd only) | 8.6147% | 566 |
| Net charge-offs to loans | 0.6108% | 3,384 |
| Credit loss provision to net charge-offs | 108.1841% | 5,122 |
| Earnings coverage of net charge-offs (x) | 3.2920% | 3,419 |
| Efficiency ratio | 67.8101% | 5,039 |
| Assets per employee ($millions) | 3.4651% | 5,091 |
| Cash dividends to net income (ytd only)* | 19.4456% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 5,688 |
| Loan loss allowance to noncurrent loans | 45.7487% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 2.4451% | 2,845 |
| Noncurrent loans to loans | 2.4927% | 3,049 |
| Net loans and leases to total assets | 67.3048% | 3,859 |
| Net loans and leases to deposits | 73.5880% | 5,105 |
| Net loans and leases to core deposits | 122.1521% | 1,767 |
| Total domestic deposits to total assets | 91.4616% | 392 |
| Equity capital to assets | 8.1655% | 6,382 |
| Core capital (leverage) ratio | 7.9752% | 6,232 |
| Tier 1 risk-based capital ratio | 10.2969% | 6,591 |
| Total risk-based capital ratio | 11.3243% | 6,775 |
| Memoranda: | ||
| Average total assets | $543,607,400 | 1,275 |
| Average earning assets | $494,053,200 | 1,275 |
| Average equity | $43,518,800 | 1,539 |
| Average total loans | $384,068,800 | 1,253 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9905% | 2,083 |
| Cost of funding earning assets | 2.1604% | 2,596 |
| Net interest margin | 3.8301% | 3,526 |
| Noninterest income to average assets | 0.9040% | 1,967 |
| Noninterest expense to average assets | 2.9921% | 4,074 |
| Loan and lease loss provision to assets | 0.4416% | 3,701 |
| Net operating income to assets | 0.8213% | 2,718 |
| Return on assets (ROA) | 0.8867% | 2,545 |
| Pretax return on assets | 1.0380% | 2,780 |
| Return on Equity (ROE) | 11.1343% | 1,582 |
| Retained earnings to average equity (ytd only) | 8.3149% | 1,037 |
| Net charge-offs to loans | 0.4017% | 3,652 |
| Credit loss provision to net charge-offs | 154.1126% | 3,102 |
| Earnings coverage of net charge-offs (x) | 4.8952% | 2,980 |
| Efficiency ratio | 68.0835% | 4,959 |
| Assets per employee ($millions) | 3.3127% | 5,362 |
| Cash dividends to net income (ytd only)* | 25.3219% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 4,845 |
| Loan loss allowance to noncurrent loans | 56.9464% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 2.2690% | 3,017 |
| Noncurrent loans to loans | 2.1921% | 3,386 |
| Net loans and leases to total assets | 70.5474% | 3,376 |
| Net loans and leases to deposits | 77.4846% | 4,822 |
| Net loans and leases to core deposits | 125.1259% | 1,803 |
| Total domestic deposits to total assets | 91.0470% | 401 |
| Equity capital to assets | 8.3643% | 6,425 |
| Core capital (leverage) ratio | 7.8217% | 6,589 |
| Tier 1 risk-based capital ratio | 10.2147% | 6,768 |
| Total risk-based capital ratio | 11.3620% | 6,812 |
| Memoranda: | ||
| Average total assets | $537,439,500 | 1,291 |
| Average earning assets | $489,832,500 | 1,300 |
| Average equity | $42,797,750 | 1,583 |
| Average total loans | $383,363,250 | 1,272 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9916% | 2,219 |
| Cost of funding earning assets | 2.1978% | 2,803 |
| Net interest margin | 3.7938% | 3,579 |
| Noninterest income to average assets | 0.9128% | 1,932 |
| Noninterest expense to average assets | 2.9651% | 4,229 |
| Loan and lease loss provision to assets | 0.4295% | 3,406 |
| Net operating income to assets | 0.8125% | 2,807 |
| Return on assets (ROA) | 0.9102% | 2,514 |
| Pretax return on assets | 1.0928% | 2,665 |
| Return on Equity (ROE) | 11.6279% | 1,527 |
| Retained earnings to average equity (ytd only) | 7.3098% | 1,465 |
| Net charge-offs to loans | 0.3086% | 3,644 |
| Credit loss provision to net charge-offs | 195.2462% | 2,341 |
| Earnings coverage of net charge-offs (x) | 6.3854% | 2,632 |
| Efficiency ratio | 67.8547% | 5,178 |
| Assets per employee ($millions) | 3.3447% | 5,204 |
| Cash dividends to net income (ytd only)* | 37.1358% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 4,831 |
| Loan loss allowance to noncurrent loans | 45.7118% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 2.4322% | 2,652 |
| Noncurrent loans to loans | 2.6608% | 2,714 |
| Net loans and leases to total assets | 71.2224% | 3,419 |
| Net loans and leases to deposits | 77.6249% | 4,927 |
| Net loans and leases to core deposits | 122.2050% | 2,193 |
| Total domestic deposits to total assets | 91.7521% | 255 |
| Equity capital to assets | 7.8117% | 6,964 |
| Core capital (leverage) ratio | 7.7071% | 6,748 |
| Tier 1 risk-based capital ratio | 9.8842% | 7,056 |
| Total risk-based capital ratio | 11.0093% | 7,116 |
| Memoranda: | ||
| Average total assets | $535,491,670 | 1,313 |
| Average earning assets | $487,952,000 | 1,326 |
| Average equity | $41,916,330 | 1,624 |
| Average total loans | $381,778,670 | 1,300 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0698% | 2,078 |
| Cost of funding earning assets | 2.2787% | 2,799 |
| Net interest margin | 3.7912% | 3,482 |
| Noninterest income to average assets | 0.8910% | 1,891 |
| Noninterest expense to average assets | 2.8961% | 4,167 |
| Loan and lease loss provision to assets | 0.3015% | 3,536 |
| Net operating income to assets | 0.8933% | 2,726 |
| Return on assets (ROA) | 1.0779% | 2,171 |
| Pretax return on assets | 1.3697% | 2,056 |
| Return on Equity (ROE) | 13.7566% | 1,214 |
| Retained earnings to average equity (ytd only) | 10.1010% | 1,163 |
| Net charge-offs to loans | 0.2616% | 3,093 |
| Credit loss provision to net charge-offs | 162.6016% | 2,616 |
| Earnings coverage of net charge-offs (x) | 7.7520% | 2,303 |
| Efficiency ratio | 66.8290% | 5,173 |
| Assets per employee ($millions) | 3.3341% | 5,237 |
| Cash dividends to net income (ytd only)* | 26.5734% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 5,144 |
| Loan loss allowance to noncurrent loans | 41.2058% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 2.5108% | 2,286 |
| Noncurrent loans to loans | 2.7832% | 2,356 |
| Net loans and leases to total assets | 69.3738% | 3,825 |
| Net loans and leases to deposits | 75.5385% | 5,286 |
| Net loans and leases to core deposits | 116.5860% | 2,730 |
| Total domestic deposits to total assets | 91.8391% | 204 |
| Equity capital to assets | 7.7760% | 7,099 |
| Core capital (leverage) ratio | 7.7695% | 6,789 |
| Tier 1 risk-based capital ratio | 9.9624% | 6,971 |
| Total risk-based capital ratio | 11.0119% | 7,093 |
| Memoranda: | ||
| Average total assets | $530,641,500 | 1,329 |
| Average earning assets | $481,857,500 | 1,344 |
| Average equity | $41,580,000 | 1,637 |
| Average total loans | $376,128,000 | 1,328 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7030% | 2,016 |
| Cost of funding earning assets | 3.1190% | 1,454 |
| Net interest margin | 3.5839% | 4,954 |
| Noninterest income to average assets | 1.0461% | 1,440 |
| Noninterest expense to average assets | 2.9746% | 4,168 |
| Loan and lease loss provision to assets | 0.2945% | 4,029 |
| Net operating income to assets | 0.8728% | 3,120 |
| Return on assets (ROA) | 0.8755% | 2,958 |
| Pretax return on assets | 1.0390% | 3,240 |
| Return on Equity (ROE) | 10.9987% | 1,907 |
| Retained earnings to average equity (ytd only) | 7.5472% | 973 |
| Net charge-offs to loans | 0.3923% | 2,856 |
| Credit loss provision to net charge-offs | 107.5836% | 4,985 |
| Earnings coverage of net charge-offs (x) | 4.8595% | 3,831 |
| Efficiency ratio | 69.0998% | 4,508 |
| Assets per employee ($millions) | 3.2163% | 5,440 |
| Cash dividends to net income (ytd only)* | 31.3808% | 4,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 5,006 |
| Loan loss allowance to noncurrent loans | 54.4797% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 2.0038% | 2,458 |
| Noncurrent loans to loans | 2.0886% | 2,647 |
| Net loans and leases to total assets | 70.8047% | 3,834 |
| Net loans and leases to deposits | 83.1577% | 4,552 |
| Net loans and leases to core deposits | 119.9872% | 2,690 |
| Total domestic deposits to total assets | 85.1450% | 2,779 |
| Equity capital to assets | 7.8986% | 6,976 |
| Core capital (leverage) ratio | 7.9029% | 6,649 |
| Tier 1 risk-based capital ratio | 10.0025% | 6,732 |
| Total risk-based capital ratio | 11.0455% | 6,853 |
| Memoranda: | ||
| Average total assets | $491,353,800 | 1,386 |
| Average earning assets | $446,772,400 | 1,394 |
| Average equity | $39,113,800 | 1,725 |
| Average total loans | $342,812,600 | 1,415 |