Home > The Murray Bank > Performance and Condition Ratios
The Murray Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4709% | 3,138 |
| Cost of funding earning assets | 1.5714% | 1,771 |
| Net interest margin | 2.8995% | 3,489 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 1.9363% | 3,760 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.1374% | 1,812 |
| Return on assets (ROA) | 1.0910% | 1,917 |
| Pretax return on assets | 1.0910% | 2,433 |
| Return on Equity (ROE) | 17.1100% | 934 |
| Retained earnings to average equity (ytd only) | 9.8216% | 1,062 |
| Net charge-offs to loans | 0.0031% | 2,670 |
| Credit loss provision to net charge-offs | 8,444.4444% | 64 |
| Earnings coverage of net charge-offs (x) | 656.6667% | 222 |
| Efficiency ratio | 59.7302% | 3,111 |
| Assets per employee ($millions) | 6.7645% | 2,232 |
| Cash dividends to net income (ytd only)* | 42.5997% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 955 |
| Loan loss allowance to noncurrent loans | 2,941.3174% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 3,395 |
| Noncurrent loans to loans | 0.0525% | 3,347 |
| Net loans and leases to total assets | 67.1200% | 2,136 |
| Net loans and leases to deposits | 74.2005% | 2,600 |
| Net loans and leases to core deposits | 82.2895% | 2,566 |
| Total domestic deposits to total assets | 90.4500% | 638 |
| Equity capital to assets | 6.8562% | 3,991 |
| Core capital (leverage) ratio | 8.8765% | 3,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9344% | 1,553 |
| Memoranda: | ||
| Average total assets | $452,709,800 | 1,849 |
| Average earning assets | $430,383,600 | 1,809 |
| Average equity | $28,865,000 | 2,322 |
| Average total loans | $293,482,400 | 1,815 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 3,278 |
| Cost of funding earning assets | 1.4263% | 1,794 |
| Net interest margin | 2.8817% | 3,584 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 1.9165% | 3,774 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.0733% | 2,137 |
| Return on assets (ROA) | 1.0733% | 2,126 |
| Pretax return on assets | 1.0733% | 2,645 |
| Return on Equity (ROE) | 17.1700% | 1,050 |
| Retained earnings to average equity (ytd only) | 7.9055% | 2,006 |
| Net charge-offs to loans | -0.0037% | 3,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.3909% | 2,921 |
| Assets per employee ($millions) | 6.8000% | 2,103 |
| Cash dividends to net income (ytd only)* | 53.9546% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 998 |
| Loan loss allowance to noncurrent loans | 4,835.3535% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 3,606 |
| Noncurrent loans to loans | 0.0320% | 3,540 |
| Net loans and leases to total assets | 65.9400% | 2,246 |
| Net loans and leases to deposits | 73.4170% | 2,613 |
| Net loans and leases to core deposits | 81.4818% | 2,504 |
| Total domestic deposits to total assets | 89.8100% | 987 |
| Equity capital to assets | 6.1572% | 3,930 |
| Core capital (leverage) ratio | 8.8134% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7600% | 1,645 |
| Memoranda: | ||
| Average total assets | $449,200,250 | 1,855 |
| Average earning assets | $426,813,500 | 1,820 |
| Average equity | $28,081,000 | 2,347 |
| Average total loans | $287,308,000 | 1,843 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 3,433 |
| Cost of funding earning assets | 1.2387% | 1,886 |
| Net interest margin | 2.8894% | 3,667 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 1.9218% | 3,772 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 1.0589% | 2,236 |
| Return on assets (ROA) | 1.0589% | 2,235 |
| Pretax return on assets | 1.0589% | 2,753 |
| Return on Equity (ROE) | 16.8500% | 1,124 |
| Retained earnings to average equity (ytd only) | 7.7278% | 2,060 |
| Net charge-offs to loans | -0.0086% | 3,865 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.5211% | 2,889 |
| Assets per employee ($millions) | 6.6659% | 2,156 |
| Cash dividends to net income (ytd only)* | 54.1401% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 1,042 |
| Loan loss allowance to noncurrent loans | 239.5942% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4179% | 1,281 |
| Noncurrent loans to loans | 0.6459% | 1,158 |
| Net loans and leases to total assets | 63.7000% | 2,413 |
| Net loans and leases to deposits | 71.1874% | 2,701 |
| Net loans and leases to core deposits | 77.1796% | 2,674 |
| Total domestic deposits to total assets | 89.4800% | 1,085 |
| Equity capital to assets | 6.1655% | 4,108 |
| Core capital (leverage) ratio | 9.0188% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6775% | 1,659 |
| Memoranda: | ||
| Average total assets | $444,801,000 | 1,874 |
| Average earning assets | $422,368,000 | 1,835 |
| Average equity | $27,951,000 | 2,360 |
| Average total loans | $279,851,000 | 1,868 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9888% | 3,476 |
| Cost of funding earning assets | 1.0716% | 1,834 |
| Net interest margin | 2.9171% | 3,768 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 1.9367% | 3,776 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.1930% | 1,949 |
| Return on assets (ROA) | 1.1930% | 1,909 |
| Pretax return on assets | 1.1930% | 2,441 |
| Return on Equity (ROE) | 18.8000% | 914 |
| Retained earnings to average equity (ytd only) | 9.6009% | 1,793 |
| Net charge-offs to loans | -0.0015% | 3,372 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.4512% | 2,901 |
| Assets per employee ($millions) | 6.3940% | 2,413 |
| Cash dividends to net income (ytd only)* | 48.9264% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 1,129 |
| Loan loss allowance to noncurrent loans | 3,008.5106% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 3,462 |
| Noncurrent loans to loans | 0.0514% | 3,371 |
| Net loans and leases to total assets | 61.1600% | 2,542 |
| Net loans and leases to deposits | 65.9796% | 2,936 |
| Net loans and leases to core deposits | 71.1524% | 2,874 |
| Total domestic deposits to total assets | 92.6900% | 354 |
| Equity capital to assets | 6.4905% | 4,032 |
| Core capital (leverage) ratio | 9.0714% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7155% | 1,436 |
| Memoranda: | ||
| Average total assets | $437,228,500 | 1,917 |
| Average earning assets | $415,066,000 | 1,885 |
| Average equity | $27,747,500 | 2,403 |
| Average total loans | $270,987,500 | 1,920 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4455% | 3,218 |
| Cost of funding earning assets | 0.4711% | 1,581 |
| Net interest margin | 2.9744% | 3,516 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 1.8838% | 3,869 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.2927% | 1,459 |
| Return on assets (ROA) | 1.2927% | 1,417 |
| Pretax return on assets | 1.2927% | 2,111 |
| Return on Equity (ROE) | 20.1500% | 466 |
| Retained earnings to average equity (ytd only) | 12.1580% | 638 |
| Net charge-offs to loans | 0.0199% | 1,693 |
| Credit loss provision to net charge-offs | 545.0980% | 641 |
| Earnings coverage of net charge-offs (x) | 117.1569% | 895 |
| Efficiency ratio | 58.1495% | 3,317 |
| Assets per employee ($millions) | 6.5647% | 2,284 |
| Cash dividends to net income (ytd only)* | 39.6524% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 1,066 |
| Loan loss allowance to noncurrent loans | 2,101.0101% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 3,353 |
| Noncurrent loans to loans | 0.0739% | 3,233 |
| Net loans and leases to total assets | 60.8800% | 2,563 |
| Net loans and leases to deposits | 65.3225% | 2,930 |
| Net loans and leases to core deposits | 68.4247% | 2,983 |
| Total domestic deposits to total assets | 93.1900% | 365 |
| Equity capital to assets | 6.1993% | 4,020 |
| Core capital (leverage) ratio | 8.7800% | 3,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8709% | 1,397 |
| Memoranda: | ||
| Average total assets | $440,716,200 | 1,887 |
| Average earning assets | $413,291,600 | 1,867 |
| Average equity | $28,277,600 | 2,416 |
| Average total loans | $255,671,000 | 1,910 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2870% | 3,215 |
| Cost of funding earning assets | 0.3974% | 1,309 |
| Net interest margin | 2.8896% | 3,518 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 1.8190% | 3,944 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.2629% | 1,480 |
| Return on assets (ROA) | 1.2629% | 1,447 |
| Pretax return on assets | 1.2629% | 2,165 |
| Return on Equity (ROE) | 19.5200% | 478 |
| Retained earnings to average equity (ytd only) | 11.1248% | 1,015 |
| Net charge-offs to loans | 0.0153% | 1,558 |
| Credit loss provision to net charge-offs | 886.2069% | 445 |
| Earnings coverage of net charge-offs (x) | 153.4138% | 741 |
| Efficiency ratio | 57.5760% | 3,434 |
| Assets per employee ($millions) | 6.5640% | 2,271 |
| Cash dividends to net income (ytd only)* | 43.0105% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5376% | 1,198 |
| Loan loss allowance to noncurrent loans | 1,469.9647% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 3,239 |
| Noncurrent loans to loans | 0.1046% | 3,132 |
| Net loans and leases to total assets | 61.4900% | 2,349 |
| Net loans and leases to deposits | 65.8489% | 2,733 |
| Net loans and leases to core deposits | 68.3741% | 2,765 |
| Total domestic deposits to total assets | 93.3800% | 477 |
| Equity capital to assets | 5.7951% | 4,035 |
| Core capital (leverage) ratio | 8.5782% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4301% | 1,589 |
| Memoranda: | ||
| Average total assets | $442,577,250 | 1,886 |
| Average earning assets | $413,983,250 | 1,879 |
| Average equity | $28,632,000 | 2,427 |
| Average total loans | $252,609,750 | 1,927 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0942% | 3,321 |
| Cost of funding earning assets | 0.3823% | 1,035 |
| Net interest margin | 2.7119% | 3,678 |
| Noninterest income to average assets | 0.4541% | 2,419 |
| Noninterest expense to average assets | 1.7766% | 4,012 |
| Loan and lease loss provision to assets | 0.0126% | 2,369 |
| Net operating income to assets | 1.1927% | 1,452 |
| Return on assets (ROA) | 1.1927% | 1,429 |
| Pretax return on assets | 1.1927% | 2,099 |
| Return on Equity (ROE) | 17.8345% | 492 |
| Retained earnings to average equity (ytd only) | 9.7962% | 1,073 |
| Net charge-offs to loans | 0.0138% | 1,501 |
| Credit loss provision to net charge-offs | 164.7059% | 1,058 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 619 |
| Efficiency ratio | 59.5786% | 3,352 |
| Assets per employee ($millions) | 6.7544% | 2,114 |
| Cash dividends to net income (ytd only)* | 45.0715% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 1,259 |
| Loan loss allowance to noncurrent loans | 1,616.3934% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 3,427 |
| Noncurrent loans to loans | 0.0963% | 3,286 |
| Net loans and leases to total assets | 56.8382% | 2,663 |
| Net loans and leases to deposits | 60.7322% | 3,001 |
| Net loans and leases to core deposits | 62.8005% | 3,051 |
| Total domestic deposits to total assets | 93.5883% | 370 |
| Equity capital to assets | 5.6621% | 4,315 |
| Core capital (leverage) ratio | 8.0740% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1711% | 1,664 |
| Memoranda: | ||
| Average total assets | $445,694,667 | 1,886 |
| Average earning assets | $415,422,667 | 1,898 |
| Average equity | $29,807,333 | 2,428 |
| Average total loans | $246,631,000 | 1,957 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9193% | 3,484 |
| Cost of funding earning assets | 0.3839% | 958 |
| Net interest margin | 2.5353% | 3,823 |
| Noninterest income to average assets | 0.4490% | 2,397 |
| Noninterest expense to average assets | 1.7362% | 4,080 |
| Loan and lease loss provision to assets | 0.0036% | 2,239 |
| Net operating income to assets | 1.0681% | 1,629 |
| Return on assets (ROA) | 1.0681% | 1,620 |
| Pretax return on assets | 1.0681% | 2,239 |
| Return on Equity (ROE) | 14.8568% | 676 |
| Retained earnings to average equity (ytd only) | 7.4346% | 1,753 |
| Net charge-offs to loans | 0.0049% | 1,580 |
| Credit loss provision to net charge-offs | 133.3333% | 891 |
| Earnings coverage of net charge-offs (x) | 401.0000% | 253 |
| Efficiency ratio | 61.8338% | 3,283 |
| Assets per employee ($millions) | 6.7784% | 2,165 |
| Cash dividends to net income (ytd only)* | 49.9583% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 1,190 |
| Loan loss allowance to noncurrent loans | 1,579.5181% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 3,499 |
| Noncurrent loans to loans | 0.1033% | 3,324 |
| Net loans and leases to total assets | 52.1881% | 2,972 |
| Net loans and leases to deposits | 56.1881% | 3,254 |
| Net loans and leases to core deposits | 57.8468% | 3,307 |
| Total domestic deposits to total assets | 92.8812% | 308 |
| Equity capital to assets | 6.4060% | 4,462 |
| Core capital (leverage) ratio | 8.1370% | 4,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4136% | 1,667 |
| Memoranda: | ||
| Average total assets | $449,022,500 | 1,889 |
| Average earning assets | $417,778,000 | 1,896 |
| Average equity | $32,281,500 | 2,373 |
| Average total loans | $243,203,500 | 1,974 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8748% | 1,684 |
| Cost of funding earning assets | 0.5115% | 879 |
| Net interest margin | 3.3633% | 2,135 |
| Noninterest income to average assets | 0.4810% | 2,674 |
| Noninterest expense to average assets | 1.9273% | 3,862 |
| Loan and lease loss provision to assets | 0.2509% | 368 |
| Net operating income to assets | 1.3868% | 1,322 |
| Return on assets (ROA) | 1.3868% | 1,377 |
| Pretax return on assets | 1.3868% | 2,092 |
| Return on Equity (ROE) | 16.1500% | 728 |
| Retained earnings to average equity (ytd only) | 10.5397% | 797 |
| Net charge-offs to loans | 0.0156% | 1,997 |
| Credit loss provision to net charge-offs | 2,642.1053% | 251 |
| Earnings coverage of net charge-offs (x) | 172.4737% | 598 |
| Efficiency ratio | 54.0618% | 3,923 |
| Assets per employee ($millions) | 6.9358% | 1,968 |
| Cash dividends to net income (ytd only)* | 34.7387% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 1,251 |
| Loan loss allowance to noncurrent loans | 836.8085% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 3,190 |
| Noncurrent loans to loans | 0.1915% | 2,987 |
| Net loans and leases to total assets | 54.4112% | 2,800 |
| Net loans and leases to deposits | 59.8231% | 3,091 |
| Net loans and leases to core deposits | 61.5940% | 3,201 |
| Total domestic deposits to total assets | 90.9535% | 510 |
| Equity capital to assets | 7.9906% | 4,366 |
| Core capital (leverage) ratio | 8.5346% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5220% | 1,682 |
| Memoranda: | ||
| Average total assets | $400,190,600 | 1,993 |
| Average earning assets | $366,960,400 | 2,013 |
| Average equity | $34,365,400 | 2,319 |
| Average total loans | $242,916,400 | 1,976 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 1,380 |
| Cost of funding earning assets | 0.5441% | 857 |
| Net interest margin | 3.5232% | 1,805 |
| Noninterest income to average assets | 0.4943% | 2,649 |
| Noninterest expense to average assets | 1.9455% | 3,824 |
| Loan and lease loss provision to assets | 0.2464% | 376 |
| Net operating income to assets | 1.5228% | 1,220 |
| Return on assets (ROA) | 1.5228% | 1,263 |
| Pretax return on assets | 1.5228% | 1,932 |
| Return on Equity (ROE) | 17.3892% | 709 |
| Retained earnings to average equity (ytd only) | 9.8484% | 1,369 |
| Net charge-offs to loans | 0.0061% | 2,098 |
| Credit loss provision to net charge-offs | 6,536.3636% | 122 |
| Earnings coverage of net charge-offs (x) | 469.5455% | 316 |
| Efficiency ratio | 52.3744% | 3,998 |
| Assets per employee ($millions) | 6.3985% | 2,336 |
| Cash dividends to net income (ytd only)* | 43.3648% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 1,565 |
| Loan loss allowance to noncurrent loans | 675.5515% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 3,214 |
| Noncurrent loans to loans | 0.2245% | 3,048 |
| Net loans and leases to total assets | 59.1904% | 2,354 |
| Net loans and leases to deposits | 65.7899% | 2,647 |
| Net loans and leases to core deposits | 67.8580% | 2,789 |
| Total domestic deposits to total assets | 89.9688% | 786 |
| Equity capital to assets | 8.7335% | 4,044 |
| Core capital (leverage) ratio | 8.7850% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6481% | 1,738 |
| Memoranda: | ||
| Average total assets | $389,264,750 | 2,049 |
| Average earning assets | $355,800,000 | 2,077 |
| Average equity | $34,089,250 | 2,362 |
| Average total loans | $242,280,250 | 2,008 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8317% | 1,992 |
| Cost of funding earning assets | 0.5757% | 836 |
| Net interest margin | 3.2560% | 2,596 |
| Noninterest income to average assets | 0.4882% | 2,673 |
| Noninterest expense to average assets | 1.9051% | 3,950 |
| Loan and lease loss provision to assets | 0.1518% | 782 |
| Net operating income to assets | 1.4013% | 1,563 |
| Return on assets (ROA) | 1.4013% | 1,629 |
| Pretax return on assets | 1.4013% | 2,337 |
| Return on Equity (ROE) | 15.9858% | 957 |
| Retained earnings to average equity (ytd only) | 8.4348% | 1,919 |
| Net charge-offs to loans | 0.0074% | 1,862 |
| Credit loss provision to net charge-offs | 3,244.4444% | 198 |
| Earnings coverage of net charge-offs (x) | 331.8889% | 350 |
| Efficiency ratio | 55.0895% | 3,659 |
| Assets per employee ($millions) | 6.4145% | 2,225 |
| Cash dividends to net income (ytd only)* | 47.2356% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 2,400 |
| Loan loss allowance to noncurrent loans | 564.2361% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 3,281 |
| Noncurrent loans to loans | 0.2315% | 3,126 |
| Net loans and leases to total assets | 61.7336% | 2,205 |
| Net loans and leases to deposits | 68.3721% | 2,580 |
| Net loans and leases to core deposits | 70.4787% | 2,735 |
| Total domestic deposits to total assets | 90.2906% | 650 |
| Equity capital to assets | 8.6088% | 4,121 |
| Core capital (leverage) ratio | 8.6542% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5006% | 1,806 |
| Memoranda: | ||
| Average total assets | $384,651,667 | 2,059 |
| Average earning assets | $350,864,000 | 2,086 |
| Average equity | $33,717,333 | 2,367 |
| Average total loans | $242,282,333 | 2,012 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6840% | 2,401 |
| Cost of funding earning assets | 0.6144% | 824 |
| Net interest margin | 3.0696% | 3,078 |
| Noninterest income to average assets | 0.4792% | 2,706 |
| Noninterest expense to average assets | 1.9179% | 3,944 |
| Loan and lease loss provision to assets | 0.1756% | 705 |
| Net operating income to assets | 1.1816% | 2,223 |
| Return on assets (ROA) | 1.1816% | 2,293 |
| Pretax return on assets | 1.1816% | 2,896 |
| Return on Equity (ROE) | 13.3543% | 1,578 |
| Retained earnings to average equity (ytd only) | 5.9538% | 2,917 |
| Net charge-offs to loans | 0.0134% | 1,477 |
| Credit loss provision to net charge-offs | 2,075.0000% | 244 |
| Earnings coverage of net charge-offs (x) | 160.3750% | 466 |
| Efficiency ratio | 58.5594% | 3,227 |
| Assets per employee ($millions) | 6.3679% | 2,282 |
| Cash dividends to net income (ytd only)* | 55.4163% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 2,468 |
| Loan loss allowance to noncurrent loans | 501.7657% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 3,361 |
| Noncurrent loans to loans | 0.2578% | 3,183 |
| Net loans and leases to total assets | 61.3973% | 2,351 |
| Net loans and leases to deposits | 68.0062% | 2,704 |
| Net loans and leases to core deposits | 70.1197% | 2,852 |
| Total domestic deposits to total assets | 90.2819% | 681 |
| Equity capital to assets | 8.5022% | 4,112 |
| Core capital (leverage) ratio | 8.8234% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5997% | 1,705 |
| Memoranda: | ||
| Average total assets | $378,128,000 | 2,070 |
| Average earning assets | $344,406,500 | 2,104 |
| Average equity | $33,457,500 | 2,378 |
| Average total loans | $239,041,500 | 2,038 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1535% | 2,270 |
| Cost of funding earning assets | 0.9042% | 843 |
| Net interest margin | 3.2493% | 3,213 |
| Noninterest income to average assets | 0.5500% | 2,419 |
| Noninterest expense to average assets | 2.0849% | 3,963 |
| Loan and lease loss provision to assets | 0.1515% | 2,480 |
| Net operating income to assets | 1.2699% | 1,334 |
| Return on assets (ROA) | 1.2800% | 1,406 |
| Pretax return on assets | 1.2800% | 2,045 |
| Return on Equity (ROE) | 13.2893% | 967 |
| Retained earnings to average equity (ytd only) | 6.5090% | 1,589 |
| Net charge-offs to loans | 0.1853% | 915 |
| Credit loss provision to net charge-offs | 116.9725% | 2,662 |
| Earnings coverage of net charge-offs (x) | 10.9771% | 2,425 |
| Efficiency ratio | 59.4613% | 3,525 |
| Assets per employee ($millions) | 5.9325% | 2,400 |
| Cash dividends to net income (ytd only)* | 51.0209% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 2,645 |
| Loan loss allowance to noncurrent loans | 480.2589% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 3,434 |
| Noncurrent loans to loans | 0.2613% | 3,258 |
| Net loans and leases to total assets | 63.4821% | 2,432 |
| Net loans and leases to deposits | 70.5157% | 2,825 |
| Net loans and leases to core deposits | 72.9823% | 3,001 |
| Total domestic deposits to total assets | 90.0255% | 558 |
| Equity capital to assets | 9.2135% | 3,876 |
| Core capital (leverage) ratio | 9.0964% | 3,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3657% | 1,723 |
| Memoranda: | ||
| Average total assets | $336,710,800 | 2,108 |
| Average earning assets | $306,341,200 | 2,140 |
| Average equity | $32,432,200 | 2,364 |
| Average total loans | $235,251,400 | 1,996 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2453% | 2,266 |
| Cost of funding earning assets | 0.9760% | 831 |
| Net interest margin | 3.2693% | 3,282 |
| Noninterest income to average assets | 0.5586% | 2,357 |
| Noninterest expense to average assets | 2.0980% | 3,950 |
| Loan and lease loss provision to assets | 0.1797% | 2,192 |
| Net operating income to assets | 1.2557% | 1,464 |
| Return on assets (ROA) | 1.2695% | 1,536 |
| Pretax return on assets | 1.2695% | 2,157 |
| Return on Equity (ROE) | 13.0220% | 1,106 |
| Retained earnings to average equity (ytd only) | 6.3405% | 1,952 |
| Net charge-offs to loans | 0.2395% | 638 |
| Credit loss provision to net charge-offs | 104.9763% | 2,586 |
| Earnings coverage of net charge-offs (x) | 8.3910% | 2,500 |
| Efficiency ratio | 59.3782% | 3,473 |
| Assets per employee ($millions) | 5.8807% | 2,368 |
| Cash dividends to net income (ytd only)* | 51.3091% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 2,741 |
| Loan loss allowance to noncurrent loans | 352.0531% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 3,252 |
| Noncurrent loans to loans | 0.3370% | 3,074 |
| Net loans and leases to total assets | 69.9672% | 1,952 |
| Net loans and leases to deposits | 78.9030% | 2,440 |
| Net loans and leases to core deposits | 82.3944% | 2,633 |
| Total domestic deposits to total assets | 88.6749% | 908 |
| Equity capital to assets | 9.6298% | 3,573 |
| Core capital (leverage) ratio | 9.3311% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9759% | 1,840 |
| Memoranda: | ||
| Average total assets | $328,934,250 | 2,121 |
| Average earning assets | $299,300,750 | 2,162 |
| Average equity | $32,068,000 | 2,373 |
| Average total loans | $234,947,750 | 2,000 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3286% | 2,398 |
| Cost of funding earning assets | 1.0558% | 825 |
| Net interest margin | 3.2728% | 3,454 |
| Noninterest income to average assets | 0.6001% | 2,128 |
| Noninterest expense to average assets | 2.1181% | 3,990 |
| Loan and lease loss provision to assets | 0.2013% | 2,037 |
| Net operating income to assets | 1.2585% | 1,467 |
| Return on assets (ROA) | 1.2796% | 1,529 |
| Pretax return on assets | 1.2796% | 2,101 |
| Return on Equity (ROE) | 13.0677% | 1,082 |
| Retained earnings to average equity (ytd only) | 6.2998% | 1,937 |
| Net charge-offs to loans | 0.3570% | 449 |
| Credit loss provision to net charge-offs | 78.6925% | 2,512 |
| Earnings coverage of net charge-offs (x) | 5.7070% | 2,494 |
| Efficiency ratio | 59.2003% | 3,531 |
| Assets per employee ($millions) | 5.9279% | 2,248 |
| Cash dividends to net income (ytd only)* | 51.7909% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 2,641 |
| Loan loss allowance to noncurrent loans | 254.1667% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 3,003 |
| Noncurrent loans to loans | 0.4621% | 2,757 |
| Net loans and leases to total assets | 69.8764% | 2,047 |
| Net loans and leases to deposits | 78.8431% | 2,567 |
| Net loans and leases to core deposits | 82.7293% | 2,720 |
| Total domestic deposits to total assets | 88.6271% | 896 |
| Equity capital to assets | 9.6866% | 3,497 |
| Core capital (leverage) ratio | 9.5418% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9468% | 1,838 |
| Memoranda: | ||
| Average total assets | $322,924,333 | 2,132 |
| Average earning assets | $293,815,000 | 2,163 |
| Average equity | $31,620,000 | 2,380 |
| Average total loans | $231,371,667 | 2,005 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 2,930 |
| Cost of funding earning assets | 1.1820% | 821 |
| Net interest margin | 3.1159% | 4,058 |
| Noninterest income to average assets | 0.5668% | 2,197 |
| Noninterest expense to average assets | 2.1798% | 4,063 |
| Loan and lease loss provision to assets | 0.0685% | 2,899 |
| Net operating income to assets | 1.1666% | 1,636 |
| Return on assets (ROA) | 1.2097% | 1,597 |
| Pretax return on assets | 1.2097% | 2,160 |
| Return on Equity (ROE) | 12.2839% | 1,035 |
| Retained earnings to average equity (ytd only) | 5.3951% | 2,119 |
| Net charge-offs to loans | 0.3550% | 399 |
| Credit loss provision to net charge-offs | 26.7327% | 2,170 |
| Earnings coverage of net charge-offs (x) | 4.8218% | 2,113 |
| Efficiency ratio | 63.8322% | 3,258 |
| Assets per employee ($millions) | 5.2849% | 2,341 |
| Cash dividends to net income (ytd only)* | 56.0797% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 2,541 |
| Loan loss allowance to noncurrent loans | 118.9775% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.7279% | 1,848 |
| Noncurrent loans to loans | 1.0281% | 1,613 |
| Net loans and leases to total assets | 69.9339% | 2,262 |
| Net loans and leases to deposits | 78.4287% | 2,841 |
| Net loans and leases to core deposits | 83.2329% | 2,915 |
| Total domestic deposits to total assets | 89.1687% | 594 |
| Equity capital to assets | 9.9615% | 3,824 |
| Core capital (leverage) ratio | 9.7207% | 3,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1685% | 1,855 |
| Memoranda: | ||
| Average total assets | $315,441,000 | 2,125 |
| Average earning assets | $288,330,500 | 2,147 |
| Average equity | $31,065,000 | 2,400 |
| Average total loans | $227,601,500 | 2,002 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5451% | 2,795 |
| Cost of funding earning assets | 1.2226% | 967 |
| Net interest margin | 3.3226% | 3,938 |
| Noninterest income to average assets | 0.5809% | 2,313 |
| Noninterest expense to average assets | 2.2265% | 4,110 |
| Loan and lease loss provision to assets | 0.0775% | 2,444 |
| Net operating income to assets | 1.3502% | 1,502 |
| Return on assets (ROA) | 1.3519% | 1,577 |
| Pretax return on assets | 1.3519% | 2,324 |
| Return on Equity (ROE) | 14.3776% | 823 |
| Retained earnings to average equity (ytd only) | 7.0376% | 1,372 |
| Net charge-offs to loans | 0.1657% | 1,219 |
| Credit loss provision to net charge-offs | 63.6605% | 2,997 |
| Earnings coverage of net charge-offs (x) | 11.7215% | 2,470 |
| Efficiency ratio | 60.9284% | 3,547 |
| Assets per employee ($millions) | 5.2299% | 2,315 |
| Cash dividends to net income (ytd only)* | 51.0516% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,147 |
| Loan loss allowance to noncurrent loans | 301.4583% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 3,206 |
| Noncurrent loans to loans | 0.4161% | 2,954 |
| Net loans and leases to total assets | 72.5990% | 1,994 |
| Net loans and leases to deposits | 81.3947% | 2,630 |
| Net loans and leases to core deposits | 87.2417% | 2,679 |
| Total domestic deposits to total assets | 89.1938% | 598 |
| Equity capital to assets | 9.7335% | 4,165 |
| Core capital (leverage) ratio | 9.6264% | 3,927 |
| Tier 1 risk-based capital ratio | 13.9063% | 3,313 |
| Total risk-based capital ratio | 15.1570% | 3,220 |
| Memoranda: | ||
| Average total assets | $309,501,600 | 2,109 |
| Average earning assets | $286,285,000 | 2,108 |
| Average equity | $29,100,800 | 2,441 |
| Average total loans | $227,492,000 | 1,972 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5241% | 2,982 |
| Cost of funding earning assets | 1.2050% | 1,027 |
| Net interest margin | 3.3191% | 4,059 |
| Noninterest income to average assets | 0.5723% | 2,344 |
| Noninterest expense to average assets | 2.2202% | 4,147 |
| Loan and lease loss provision to assets | 0.0795% | 2,317 |
| Net operating income to assets | 1.3423% | 1,668 |
| Return on assets (ROA) | 1.3444% | 1,734 |
| Pretax return on assets | 1.3444% | 2,515 |
| Return on Equity (ROE) | 14.4277% | 904 |
| Retained earnings to average equity (ytd only) | 7.0005% | 1,865 |
| Net charge-offs to loans | 0.0465% | 2,172 |
| Credit loss provision to net charge-offs | 232.9114% | 1,158 |
| Earnings coverage of net charge-offs (x) | 41.6332% | 1,337 |
| Efficiency ratio | 60.9614% | 3,482 |
| Assets per employee ($millions) | 5.2910% | 2,236 |
| Cash dividends to net income (ytd only)* | 51.4791% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 1,727 |
| Loan loss allowance to noncurrent loans | 258.7459% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 2,958 |
| Noncurrent loans to loans | 0.5253% | 2,716 |
| Net loans and leases to total assets | 72.9127% | 2,016 |
| Net loans and leases to deposits | 81.4411% | 2,752 |
| Net loans and leases to core deposits | 87.7993% | 2,752 |
| Total domestic deposits to total assets | 89.5281% | 438 |
| Equity capital to assets | 9.6224% | 4,364 |
| Core capital (leverage) ratio | 9.5962% | 4,066 |
| Tier 1 risk-based capital ratio | 13.7347% | 3,461 |
| Total risk-based capital ratio | 14.9866% | 3,366 |
| Memoranda: | ||
| Average total assets | $308,429,250 | 2,130 |
| Average earning assets | $285,250,250 | 2,130 |
| Average equity | $28,740,250 | 2,478 |
| Average total loans | $226,689,250 | 1,995 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4525% | 3,175 |
| Cost of funding earning assets | 1.1518% | 1,130 |
| Net interest margin | 3.3007% | 4,147 |
| Noninterest income to average assets | 0.5404% | 2,436 |
| Noninterest expense to average assets | 2.2072% | 4,210 |
| Loan and lease loss provision to assets | 0.0820% | 2,198 |
| Net operating income to assets | 1.3054% | 1,748 |
| Return on assets (ROA) | 1.3087% | 1,806 |
| Pretax return on assets | 1.3087% | 2,535 |
| Return on Equity (ROE) | 14.2011% | 935 |
| Retained earnings to average equity (ytd only) | 6.6696% | 1,966 |
| Net charge-offs to loans | 0.0142% | 2,629 |
| Credit loss provision to net charge-offs | 787.5000% | 431 |
| Earnings coverage of net charge-offs (x) | 133.1875% | 552 |
| Efficiency ratio | 61.4019% | 3,524 |
| Assets per employee ($millions) | 5.1249% | 2,329 |
| Cash dividends to net income (ytd only)* | 53.0348% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 1,663 |
| Loan loss allowance to noncurrent loans | 242.3611% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.4215% | 2,825 |
| Noncurrent loans to loans | 0.5726% | 2,540 |
| Net loans and leases to total assets | 72.5899% | 2,137 |
| Net loans and leases to deposits | 80.9121% | 2,854 |
| Net loans and leases to core deposits | 87.6567% | 2,834 |
| Total domestic deposits to total assets | 89.7146% | 412 |
| Equity capital to assets | 9.5667% | 4,341 |
| Core capital (leverage) ratio | 9.6007% | 4,040 |
| Tier 1 risk-based capital ratio | 13.6621% | 3,506 |
| Total risk-based capital ratio | 14.9147% | 3,402 |
| Memoranda: | ||
| Average total assets | $307,183,000 | 2,138 |
| Average earning assets | $284,246,670 | 2,141 |
| Average equity | $28,307,670 | 2,495 |
| Average total loans | $225,337,000 | 2,007 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3536% | 3,391 |
| Cost of funding earning assets | 1.0820% | 1,246 |
| Net interest margin | 3.2716% | 4,226 |
| Noninterest income to average assets | 0.5381% | 2,351 |
| Noninterest expense to average assets | 2.1965% | 4,263 |
| Loan and lease loss provision to assets | 0.0391% | 2,844 |
| Net operating income to assets | 1.3197% | 1,628 |
| Return on assets (ROA) | 1.3263% | 1,651 |
| Pretax return on assets | 1.3263% | 2,352 |
| Return on Equity (ROE) | 14.6723% | 822 |
| Retained earnings to average equity (ytd only) | 7.0046% | 2,040 |
| Net charge-offs to loans | 0.0178% | 2,115 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 104.3000% | 651 |
| Efficiency ratio | 61.7809% | 3,571 |
| Assets per employee ($millions) | 5.2621% | 2,210 |
| Cash dividends to net income (ytd only)* | 52.2593% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 1,838 |
| Loan loss allowance to noncurrent loans | 249.8771% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 2,986 |
| Noncurrent loans to loans | 0.5432% | 2,686 |
| Net loans and leases to total assets | 72.6534% | 2,051 |
| Net loans and leases to deposits | 80.7894% | 2,755 |
| Net loans and leases to core deposits | 87.0840% | 2,771 |
| Total domestic deposits to total assets | 89.9294% | 476 |
| Equity capital to assets | 9.2397% | 4,493 |
| Core capital (leverage) ratio | 9.5099% | 4,118 |
| Tier 1 risk-based capital ratio | 13.4495% | 3,631 |
| Total risk-based capital ratio | 14.7012% | 3,539 |
| Memoranda: | ||
| Average total assets | $307,028,000 | 2,153 |
| Average earning assets | $283,168,000 | 2,153 |
| Average equity | $27,753,000 | 2,534 |
| Average total loans | $224,830,500 | 2,026 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1701% | 3,528 |
| Cost of funding earning assets | 0.9225% | 1,016 |
| Net interest margin | 3.2476% | 4,393 |
| Noninterest income to average assets | 0.5281% | 2,668 |
| Noninterest expense to average assets | 2.1371% | 4,478 |
| Loan and lease loss provision to assets | 0.0554% | 3,057 |
| Net operating income to assets | 1.3264% | 1,695 |
| Return on assets (ROA) | 1.3273% | 1,682 |
| Pretax return on assets | 1.3372% | 2,376 |
| Return on Equity (ROE) | 15.3353% | 760 |
| Retained earnings to average equity (ytd only) | 3.6950% | 3,548 |
| Net charge-offs to loans | -0.0047% | 4,341 |
| Credit loss provision to net charge-offs | -1,730.0000% | 4,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5612% | 3,770 |
| Assets per employee ($millions) | 5.2348% | 2,221 |
| Cash dividends to net income (ytd only)* | 75.9054% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 1,835 |
| Loan loss allowance to noncurrent loans | 250.8278% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 2,994 |
| Noncurrent loans to loans | 0.5372% | 2,663 |
| Net loans and leases to total assets | 71.8270% | 2,292 |
| Net loans and leases to deposits | 79.5498% | 3,001 |
| Net loans and leases to core deposits | 83.7606% | 3,114 |
| Total domestic deposits to total assets | 90.2918% | 384 |
| Equity capital to assets | 8.8411% | 4,700 |
| Core capital (leverage) ratio | 9.2479% | 4,399 |
| Tier 1 risk-based capital ratio | 13.1745% | 3,743 |
| Total risk-based capital ratio | 14.4263% | 3,626 |
| Memoranda: | ||
| Average total assets | $312,061,400 | 2,080 |
| Average earning assets | $288,335,800 | 2,086 |
| Average equity | $27,009,600 | 2,513 |
| Average total loans | $213,073,800 | 2,076 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0983% | 3,634 |
| Cost of funding earning assets | 0.8847% | 986 |
| Net interest margin | 3.2137% | 4,485 |
| Noninterest income to average assets | 0.5165% | 2,766 |
| Noninterest expense to average assets | 2.1078% | 4,532 |
| Loan and lease loss provision to assets | 0.0315% | 3,384 |
| Net operating income to assets | 1.3301% | 1,743 |
| Return on assets (ROA) | 1.3313% | 1,747 |
| Pretax return on assets | 1.3445% | 2,451 |
| Return on Equity (ROE) | 15.4637% | 789 |
| Retained earnings to average equity (ytd only) | 7.7962% | 1,747 |
| Net charge-offs to loans | -0.0235% | 4,677 |
| Credit loss provision to net charge-offs | -200.0000% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5237% | 3,738 |
| Assets per employee ($millions) | 5.2708% | 2,152 |
| Cash dividends to net income (ytd only)* | 49.5838% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 1,890 |
| Loan loss allowance to noncurrent loans | 289.0518% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 3,311 |
| Noncurrent loans to loans | 0.4667% | 2,989 |
| Net loans and leases to total assets | 71.9743% | 2,334 |
| Net loans and leases to deposits | 82.2390% | 2,785 |
| Net loans and leases to core deposits | 86.5574% | 2,952 |
| Total domestic deposits to total assets | 87.5184% | 1,477 |
| Equity capital to assets | 9.0086% | 4,543 |
| Core capital (leverage) ratio | 9.5429% | 4,125 |
| Tier 1 risk-based capital ratio | 13.6930% | 3,519 |
| Total risk-based capital ratio | 14.9444% | 3,437 |
| Memoranda: | ||
| Average total assets | $312,863,750 | 2,091 |
| Average earning assets | $288,759,500 | 2,095 |
| Average equity | $26,935,500 | 2,526 |
| Average total loans | $210,125,000 | 2,095 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9897% | 3,815 |
| Cost of funding earning assets | 0.8418% | 955 |
| Net interest margin | 3.1479% | 4,623 |
| Noninterest income to average assets | 0.4997% | 2,871 |
| Noninterest expense to average assets | 2.0662% | 4,682 |
| Loan and lease loss provision to assets | 0.0032% | 3,748 |
| Net operating income to assets | 1.3104% | 1,733 |
| Return on assets (ROA) | 1.3072% | 1,737 |
| Pretax return on assets | 1.3268% | 2,408 |
| Return on Equity (ROE) | 15.4096% | 775 |
| Retained earnings to average equity (ytd only) | 7.7420% | 1,733 |
| Net charge-offs to loans | -0.0647% | 5,007 |
| Credit loss provision to net charge-offs | -7.4627% | 3,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7832% | 3,799 |
| Assets per employee ($millions) | 5.4404% | 1,956 |
| Cash dividends to net income (ytd only)* | 49.7587% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 1,802 |
| Loan loss allowance to noncurrent loans | 221.6401% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 2,958 |
| Noncurrent loans to loans | 0.6251% | 2,547 |
| Net loans and leases to total assets | 66.9991% | 3,012 |
| Net loans and leases to deposits | 74.0289% | 3,528 |
| Net loans and leases to core deposits | 77.4110% | 3,624 |
| Total domestic deposits to total assets | 90.5041% | 396 |
| Equity capital to assets | 8.6610% | 4,833 |
| Core capital (leverage) ratio | 9.0279% | 4,669 |
| Tier 1 risk-based capital ratio | 13.5192% | 3,605 |
| Total risk-based capital ratio | 14.7709% | 3,514 |
| Memoranda: | ||
| Average total assets | $317,006,670 | 2,081 |
| Average earning assets | $292,002,000 | 2,088 |
| Average equity | $26,892,330 | 2,538 |
| Average total loans | $207,102,330 | 2,130 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8937% | 3,945 |
| Cost of funding earning assets | 0.8181% | 880 |
| Net interest margin | 3.0756% | 4,750 |
| Noninterest income to average assets | 0.5018% | 2,787 |
| Noninterest expense to average assets | 2.0021% | 4,845 |
| Loan and lease loss provision to assets | 0.0062% | 3,426 |
| Net operating income to assets | 1.2844% | 1,698 |
| Return on assets (ROA) | 1.2844% | 1,704 |
| Pretax return on assets | 1.3231% | 2,278 |
| Return on Equity (ROE) | 15.3648% | 737 |
| Retained earnings to average equity (ytd only) | 10.9151% | 914 |
| Net charge-offs to loans | -0.1929% | 5,373 |
| Credit loss provision to net charge-offs | -5.0505% | 3,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0974% | 4,051 |
| Assets per employee ($millions) | 5.7931% | 1,685 |
| Cash dividends to net income (ytd only)* | 28.9602% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 1,644 |
| Loan loss allowance to noncurrent loans | 231.6327% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 2,817 |
| Noncurrent loans to loans | 0.6272% | 2,661 |
| Net loans and leases to total assets | 62.8285% | 3,441 |
| Net loans and leases to deposits | 69.3162% | 3,847 |
| Net loans and leases to core deposits | 71.6708% | 3,991 |
| Total domestic deposits to total assets | 90.6403% | 432 |
| Equity capital to assets | 8.3729% | 5,065 |
| Core capital (leverage) ratio | 8.7259% | 4,968 |
| Tier 1 risk-based capital ratio | 13.7143% | 3,536 |
| Total risk-based capital ratio | 14.9663% | 3,441 |
| Memoranda: | ||
| Average total assets | $320,459,500 | 2,072 |
| Average earning assets | $294,834,000 | 2,093 |
| Average equity | $26,788,500 | 2,568 |
| Average total loans | $205,311,500 | 2,157 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9202% | 3,656 |
| Cost of funding earning assets | 0.7718% | 727 |
| Net interest margin | 3.1484% | 4,581 |
| Noninterest income to average assets | 0.5178% | 2,888 |
| Noninterest expense to average assets | 2.0652% | 4,851 |
| Loan and lease loss provision to assets | 0.1039% | 2,154 |
| Net operating income to assets | 0.6217% | 3,925 |
| Return on assets (ROA) | 0.6217% | 3,963 |
| Pretax return on assets | 1.2418% | 2,587 |
| Return on Equity (ROE) | 7.1618% | 3,196 |
| Retained earnings to average equity (ytd only) | 3.8765% | 2,882 |
| Net charge-offs to loans | 0.0495% | 2,802 |
| Credit loss provision to net charge-offs | 327.2727% | 878 |
| Earnings coverage of net charge-offs (x) | 42.3737% | 1,209 |
| Efficiency ratio | 60.5474% | 4,177 |
| Assets per employee ($millions) | 5.6543% | 1,787 |
| Cash dividends to net income (ytd only)* | 45.8720% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 1,871 |
| Loan loss allowance to noncurrent loans | 648.5194% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 4,286 |
| Noncurrent loans to loans | 0.2116% | 4,066 |
| Net loans and leases to total assets | 63.4941% | 3,423 |
| Net loans and leases to deposits | 70.1393% | 3,861 |
| Net loans and leases to core deposits | 72.0190% | 4,043 |
| Total domestic deposits to total assets | 90.5258% | 386 |
| Equity capital to assets | 8.3461% | 5,230 |
| Core capital (leverage) ratio | 8.4186% | 5,208 |
| Tier 1 risk-based capital ratio | 13.1486% | 3,819 |
| Total risk-based capital ratio | 14.4000% | 3,736 |
| Memoranda: | ||
| Average total assets | $311,731,600 | 2,105 |
| Average earning assets | $286,463,600 | 2,121 |
| Average equity | $27,060,200 | 2,541 |
| Average total loans | $199,965,200 | 2,157 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8665% | 3,775 |
| Cost of funding earning assets | 0.7601% | 723 |
| Net interest margin | 3.1064% | 4,698 |
| Noninterest income to average assets | 0.5228% | 2,882 |
| Noninterest expense to average assets | 2.0114% | 4,926 |
| Loan and lease loss provision to assets | 0.1398% | 1,522 |
| Net operating income to assets | 0.8571% | 3,250 |
| Return on assets (ROA) | 0.8571% | 3,296 |
| Pretax return on assets | 1.2242% | 2,806 |
| Return on Equity (ROE) | 9.7757% | 2,218 |
| Retained earnings to average equity (ytd only) | 7.5913% | 1,392 |
| Net charge-offs to loans | 0.0848% | 1,955 |
| Credit loss provision to net charge-offs | 257.1429% | 1,108 |
| Earnings coverage of net charge-offs (x) | 25.0946% | 1,744 |
| Efficiency ratio | 59.5911% | 4,278 |
| Assets per employee ($millions) | 5.8345% | 1,622 |
| Cash dividends to net income (ytd only)* | 22.3454% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 2,078 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 3,316 |
| Noncurrent loans to loans | 0.5441% | 3,070 |
| Net loans and leases to total assets | 63.7293% | 3,446 |
| Net loans and leases to deposits | 70.6575% | 3,904 |
| Net loans and leases to core deposits | 72.6361% | 4,095 |
| Total domestic deposits to total assets | 90.1946% | 409 |
| Equity capital to assets | 8.7144% | 5,137 |
| Core capital (leverage) ratio | 8.6911% | 5,071 |
| Tier 1 risk-based capital ratio | 13.3075% | 3,820 |
| Total risk-based capital ratio | 14.5588% | 3,731 |
| Memoranda: | ||
| Average total assets | $309,090,500 | 2,134 |
| Average earning assets | $283,833,000 | 2,149 |
| Average equity | $27,100,500 | 2,557 |
| Average total loans | $198,085,000 | 2,181 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 3,847 |
| Cost of funding earning assets | 0.7338% | 750 |
| Net interest margin | 3.0791% | 4,729 |
| Noninterest income to average assets | 0.5158% | 2,923 |
| Noninterest expense to average assets | 2.0304% | 4,906 |
| Loan and lease loss provision to assets | 0.1468% | 1,382 |
| Net operating income to assets | 0.8179% | 3,312 |
| Return on assets (ROA) | 0.8179% | 3,363 |
| Pretax return on assets | 1.1686% | 2,903 |
| Return on Equity (ROE) | 9.3090% | 2,356 |
| Retained earnings to average equity (ytd only) | 5.9972% | 2,117 |
| Net charge-offs to loans | 0.1292% | 1,388 |
| Credit loss provision to net charge-offs | 177.7778% | 1,367 |
| Earnings coverage of net charge-offs (x) | 15.9286% | 1,999 |
| Efficiency ratio | 60.6856% | 4,213 |
| Assets per employee ($millions) | 5.9472% | 1,502 |
| Cash dividends to net income (ytd only)* | 35.5769% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 2,159 |
| Loan loss allowance to noncurrent loans | 218.6495% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 3,264 |
| Noncurrent loans to loans | 0.6188% | 2,878 |
| Net loans and leases to total assets | 61.7560% | 3,656 |
| Net loans and leases to deposits | 68.2722% | 4,043 |
| Net loans and leases to core deposits | 70.3096% | 4,203 |
| Total domestic deposits to total assets | 90.4555% | 374 |
| Equity capital to assets | 8.5294% | 5,282 |
| Core capital (leverage) ratio | 8.8900% | 4,856 |
| Tier 1 risk-based capital ratio | 13.3130% | 3,793 |
| Total risk-based capital ratio | 14.5639% | 3,710 |
| Memoranda: | ||
| Average total assets | $305,155,670 | 2,165 |
| Average earning assets | $280,467,670 | 2,171 |
| Average equity | $26,812,670 | 2,574 |
| Average total loans | $195,005,330 | 2,215 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7833% | 3,817 |
| Cost of funding earning assets | 0.7096% | 802 |
| Net interest margin | 3.0738% | 4,726 |
| Noninterest income to average assets | 0.5196% | 2,841 |
| Noninterest expense to average assets | 2.1120% | 4,824 |
| Loan and lease loss provision to assets | 0.0727% | 2,354 |
| Net operating income to assets | 0.8144% | 3,158 |
| Return on assets (ROA) | 0.8144% | 3,213 |
| Pretax return on assets | 1.1630% | 2,728 |
| Return on Equity (ROE) | 9.1242% | 2,351 |
| Retained earnings to average equity (ytd only) | 9.1242% | 1,038 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0881% | 3,975 |
| Assets per employee ($millions) | 5.8759% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 2,178 |
| Loan loss allowance to noncurrent loans | 166.4179% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 2,788 |
| Noncurrent loans to loans | 0.8276% | 2,385 |
| Net loans and leases to total assets | 63.9456% | 3,284 |
| Net loans and leases to deposits | 70.8078% | 3,713 |
| Net loans and leases to core deposits | 73.6325% | 3,868 |
| Total domestic deposits to total assets | 90.3086% | 536 |
| Equity capital to assets | 8.9686% | 4,836 |
| Core capital (leverage) ratio | 9.1485% | 4,546 |
| Tier 1 risk-based capital ratio | 13.6764% | 3,673 |
| Total risk-based capital ratio | 14.9277% | 3,581 |
| Memoranda: | ||
| Average total assets | $297,159,500 | 2,224 |
| Average earning assets | $273,411,000 | 2,226 |
| Average equity | $26,523,000 | 2,603 |
| Average total loans | $191,984,000 | 2,256 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8193% | 3,839 |
| Cost of funding earning assets | 0.7107% | 776 |
| Net interest margin | 3.1086% | 4,708 |
| Noninterest income to average assets | 0.5345% | 3,004 |
| Noninterest expense to average assets | 2.0713% | 5,049 |
| Loan and lease loss provision to assets | 0.1369% | 1,825 |
| Net operating income to assets | 0.8468% | 3,078 |
| Return on assets (ROA) | 0.8483% | 3,187 |
| Pretax return on assets | 1.1702% | 2,807 |
| Return on Equity (ROE) | 9.3143% | 2,268 |
| Retained earnings to average equity (ytd only) | 5.9067% | 1,759 |
| Net charge-offs to loans | 0.1117% | 2,153 |
| Credit loss provision to net charge-offs | 195.0249% | 1,449 |
| Earnings coverage of net charge-offs (x) | 18.5970% | 1,959 |
| Efficiency ratio | 61.3484% | 4,362 |
| Assets per employee ($millions) | 5.3573% | 1,996 |
| Cash dividends to net income (ytd only)* | 36.5844% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 2,156 |
| Loan loss allowance to noncurrent loans | 156.0714% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.6112% | 2,897 |
| Noncurrent loans to loans | 0.8858% | 2,333 |
| Net loans and leases to total assets | 63.4804% | 3,421 |
| Net loans and leases to deposits | 70.7277% | 3,833 |
| Net loans and leases to core deposits | 73.3737% | 3,973 |
| Total domestic deposits to total assets | 89.7533% | 749 |
| Equity capital to assets | 8.8817% | 4,932 |
| Core capital (leverage) ratio | 9.0930% | 4,624 |
| Tier 1 risk-based capital ratio | 13.5376% | 3,749 |
| Total risk-based capital ratio | 14.7888% | 3,654 |
| Memoranda: | ||
| Average total assets | $286,442,600 | 2,241 |
| Average earning assets | $261,851,600 | 2,270 |
| Average equity | $26,089,000 | 2,629 |
| Average total loans | $180,020,200 | 2,311 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7890% | 3,950 |
| Cost of funding earning assets | 0.7088% | 779 |
| Net interest margin | 3.0802% | 4,825 |
| Noninterest income to average assets | 0.5392% | 2,984 |
| Noninterest expense to average assets | 2.0633% | 5,076 |
| Loan and lease loss provision to assets | 0.1163% | 1,990 |
| Net operating income to assets | 0.8213% | 3,276 |
| Return on assets (ROA) | 0.8233% | 3,400 |
| Pretax return on assets | 1.1739% | 2,949 |
| Return on Equity (ROE) | 8.9811% | 2,495 |
| Retained earnings to average equity (ytd only) | 6.7103% | 1,779 |
| Net charge-offs to loans | 0.1509% | 1,486 |
| Credit loss provision to net charge-offs | 123.3831% | 2,051 |
| Earnings coverage of net charge-offs (x) | 13.6619% | 2,295 |
| Efficiency ratio | 61.5783% | 4,298 |
| Assets per employee ($millions) | 5.3054% | 2,043 |
| Cash dividends to net income (ytd only)* | 25.2850% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3470% | 2,450 |
| Loan loss allowance to noncurrent loans | 144.1536% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.6000% | 3,102 |
| Noncurrent loans to loans | 0.9344% | 2,376 |
| Net loans and leases to total assets | 63.3492% | 3,483 |
| Net loans and leases to deposits | 70.6417% | 3,924 |
| Net loans and leases to core deposits | 73.3737% | 4,050 |
| Total domestic deposits to total assets | 89.6768% | 594 |
| Equity capital to assets | 9.3675% | 4,794 |
| Core capital (leverage) ratio | 9.2908% | 4,469 |
| Tier 1 risk-based capital ratio | 13.8712% | 3,625 |
| Total risk-based capital ratio | 15.1218% | 3,551 |
| Memoranda: | ||
| Average total assets | $284,390,750 | 2,263 |
| Average earning assets | $259,589,000 | 2,294 |
| Average equity | $26,068,750 | 2,654 |
| Average total loans | $177,608,500 | 2,335 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7726% | 4,047 |
| Cost of funding earning assets | 0.7052% | 778 |
| Net interest margin | 3.0673% | 4,926 |
| Noninterest income to average assets | 0.5280% | 3,017 |
| Noninterest expense to average assets | 2.0579% | 5,150 |
| Loan and lease loss provision to assets | 0.0761% | 2,614 |
| Net operating income to assets | 0.8374% | 3,143 |
| Return on assets (ROA) | 0.8404% | 3,264 |
| Pretax return on assets | 1.1978% | 2,790 |
| Return on Equity (ROE) | 9.2358% | 2,385 |
| Retained earnings to average equity (ytd only) | 5.7956% | 2,239 |
| Net charge-offs to loans | 0.0376% | 2,708 |
| Credit loss provision to net charge-offs | 327.2727% | 904 |
| Earnings coverage of net charge-offs (x) | 54.5758% | 934 |
| Efficiency ratio | 61.8432% | 4,368 |
| Assets per employee ($millions) | 5.2352% | 2,050 |
| Cash dividends to net income (ytd only)* | 37.2483% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 2,262 |
| Loan loss allowance to noncurrent loans | 203.7398% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 3,770 |
| Noncurrent loans to loans | 0.6907% | 3,010 |
| Net loans and leases to total assets | 62.1096% | 3,613 |
| Net loans and leases to deposits | 69.1348% | 4,070 |
| Net loans and leases to core deposits | 71.6799% | 4,207 |
| Total domestic deposits to total assets | 89.8384% | 548 |
| Equity capital to assets | 9.3473% | 4,923 |
| Core capital (leverage) ratio | 8.9530% | 4,885 |
| Tier 1 risk-based capital ratio | 14.0548% | 3,570 |
| Total risk-based capital ratio | 15.3064% | 3,489 |
| Memoranda: | ||
| Average total assets | $283,691,000 | 2,276 |
| Average earning assets | $258,921,000 | 2,308 |
| Average equity | $25,812,670 | 2,684 |
| Average total loans | $175,489,000 | 2,359 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7225% | 4,239 |
| Cost of funding earning assets | 0.6966% | 820 |
| Net interest margin | 3.0259% | 5,055 |
| Noninterest income to average assets | 0.5053% | 3,082 |
| Noninterest expense to average assets | 2.0423% | 5,240 |
| Loan and lease loss provision to assets | 0.0282% | 3,289 |
| Net operating income to assets | 0.8386% | 3,037 |
| Return on assets (ROA) | 0.8445% | 3,143 |
| Pretax return on assets | 1.2006% | 2,701 |
| Return on Equity (ROE) | 9.4094% | 2,235 |
| Retained earnings to average equity (ytd only) | 9.4094% | 1,000 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5971% | 4,358 |
| Assets per employee ($millions) | 5.3209% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 2,376 |
| Loan loss allowance to noncurrent loans | 204.0799% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 3,902 |
| Noncurrent loans to loans | 0.6910% | 3,118 |
| Net loans and leases to total assets | 59.6406% | 3,830 |
| Net loans and leases to deposits | 66.1783% | 4,237 |
| Net loans and leases to core deposits | 68.3605% | 4,367 |
| Total domestic deposits to total assets | 90.1210% | 550 |
| Equity capital to assets | 9.0308% | 5,143 |
| Core capital (leverage) ratio | 8.9267% | 4,941 |
| Tier 1 risk-based capital ratio | 14.0625% | 3,647 |
| Total risk-based capital ratio | 15.3137% | 3,580 |
| Memoranda: | ||
| Average total assets | $284,185,500 | 2,285 |
| Average earning assets | $258,968,500 | 2,317 |
| Average equity | $25,506,500 | 2,703 |
| Average total loans | $174,188,000 | 2,368 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 4,041 |
| Cost of funding earning assets | 0.7003% | 824 |
| Net interest margin | 3.0994% | 4,902 |
| Noninterest income to average assets | 0.5704% | 2,896 |
| Noninterest expense to average assets | 2.1360% | 5,181 |
| Loan and lease loss provision to assets | 0.1296% | 1,853 |
| Net operating income to assets | 0.8219% | 3,236 |
| Return on assets (ROA) | 0.8541% | 3,162 |
| Pretax return on assets | 1.1903% | 2,695 |
| Return on Equity (ROE) | 9.3420% | 2,298 |
| Retained earnings to average equity (ytd only) | 5.7217% | 1,946 |
| Net charge-offs to loans | 0.0319% | 3,582 |
| Credit loss provision to net charge-offs | 669.2308% | 500 |
| Earnings coverage of net charge-offs (x) | 65.8654% | 812 |
| Efficiency ratio | 62.6173% | 4,510 |
| Assets per employee ($millions) | 5.1099% | 2,230 |
| Cash dividends to net income (ytd only)* | 38.7533% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 2,458 |
| Loan loss allowance to noncurrent loans | 186.8563% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 3,707 |
| Noncurrent loans to loans | 0.7453% | 2,942 |
| Net loans and leases to total assets | 61.2469% | 3,657 |
| Net loans and leases to deposits | 67.7824% | 4,150 |
| Net loans and leases to core deposits | 70.1392% | 4,292 |
| Total domestic deposits to total assets | 90.3581% | 481 |
| Equity capital to assets | 8.9186% | 5,203 |
| Core capital (leverage) ratio | 8.8710% | 5,037 |
| Tier 1 risk-based capital ratio | 13.8349% | 3,811 |
| Total risk-based capital ratio | 15.0863% | 3,737 |
| Memoranda: | ||
| Average total assets | $268,592,200 | 2,353 |
| Average earning assets | $246,178,800 | 2,375 |
| Average equity | $24,555,800 | 2,731 |
| Average total loans | $163,176,400 | 2,423 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7886% | 4,124 |
| Cost of funding earning assets | 0.7008% | 833 |
| Net interest margin | 3.0878% | 4,991 |
| Noninterest income to average assets | 0.5791% | 2,858 |
| Noninterest expense to average assets | 2.1410% | 5,190 |
| Loan and lease loss provision to assets | 0.1567% | 1,381 |
| Net operating income to assets | 0.7810% | 3,522 |
| Return on assets (ROA) | 0.8231% | 3,400 |
| Pretax return on assets | 1.1762% | 2,907 |
| Return on Equity (ROE) | 8.9456% | 2,605 |
| Retained earnings to average equity (ytd only) | 6.5223% | 1,945 |
| Net charge-offs to loans | 0.0233% | 3,474 |
| Credit loss provision to net charge-offs | 1,114.2857% | 336 |
| Earnings coverage of net charge-offs (x) | 90.5058% | 682 |
| Efficiency ratio | 62.7188% | 4,456 |
| Assets per employee ($millions) | 4.9612% | 2,351 |
| Cash dividends to net income (ytd only)* | 27.0899% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 2,638 |
| Loan loss allowance to noncurrent loans | 174.0288% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 3,705 |
| Noncurrent loans to loans | 0.7998% | 2,962 |
| Net loans and leases to total assets | 65.1726% | 3,132 |
| Net loans and leases to deposits | 72.8345% | 3,666 |
| Net loans and leases to core deposits | 76.1832% | 3,783 |
| Total domestic deposits to total assets | 89.4803% | 783 |
| Equity capital to assets | 9.5271% | 4,722 |
| Core capital (leverage) ratio | 9.3290% | 4,548 |
| Tier 1 risk-based capital ratio | 14.1770% | 3,744 |
| Total risk-based capital ratio | 15.4287% | 3,675 |
| Memoranda: | ||
| Average total assets | $265,479,500 | 2,400 |
| Average earning assets | $243,706,750 | 2,408 |
| Average equity | $24,428,500 | 2,762 |
| Average total loans | $160,330,250 | 2,471 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7316% | 4,312 |
| Cost of funding earning assets | 0.7001% | 844 |
| Net interest margin | 3.0315% | 5,146 |
| Noninterest income to average assets | 0.5662% | 2,936 |
| Noninterest expense to average assets | 2.1140% | 5,311 |
| Loan and lease loss provision to assets | 0.0991% | 2,170 |
| Net operating income to assets | 0.7863% | 3,455 |
| Return on assets (ROA) | 0.8388% | 3,285 |
| Pretax return on assets | 1.1985% | 2,780 |
| Return on Equity (ROE) | 9.2234% | 2,422 |
| Retained earnings to average equity (ytd only) | 5.5572% | 2,504 |
| Net charge-offs to loans | 0.0192% | 3,307 |
| Credit loss provision to net charge-offs | 880.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 108.5333% | 570 |
| Efficiency ratio | 63.3581% | 4,453 |
| Assets per employee ($millions) | 4.9818% | 2,297 |
| Cash dividends to net income (ytd only)* | 39.7493% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 2,815 |
| Loan loss allowance to noncurrent loans | 184.1374% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 4,058 |
| Noncurrent loans to loans | 0.7541% | 3,228 |
| Net loans and leases to total assets | 60.5693% | 3,748 |
| Net loans and leases to deposits | 67.5517% | 4,175 |
| Net loans and leases to core deposits | 70.6200% | 4,267 |
| Total domestic deposits to total assets | 89.6636% | 807 |
| Equity capital to assets | 9.1631% | 5,067 |
| Core capital (leverage) ratio | 9.0308% | 4,920 |
| Tier 1 risk-based capital ratio | 14.3066% | 3,758 |
| Total risk-based capital ratio | 15.5577% | 3,676 |
| Memoranda: | ||
| Average total assets | $266,324,330 | 2,405 |
| Average earning assets | $243,377,670 | 2,433 |
| Average equity | $24,221,000 | 2,784 |
| Average total loans | $155,844,670 | 2,542 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6579% | 4,507 |
| Cost of funding earning assets | 0.6976% | 861 |
| Net interest margin | 2.9603% | 5,318 |
| Noninterest income to average assets | 0.5429% | 3,008 |
| Noninterest expense to average assets | 2.0817% | 5,427 |
| Loan and lease loss provision to assets | 0.0598% | 2,733 |
| Net operating income to assets | 0.7780% | 3,376 |
| Return on assets (ROA) | 0.8450% | 3,154 |
| Pretax return on assets | 1.2069% | 2,640 |
| Return on Equity (ROE) | 9.3255% | 2,299 |
| Retained earnings to average equity (ytd only) | 9.3255% | 1,094 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0000% | 4,481 |
| Assets per employee ($millions) | 5.1864% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 2,794 |
| Loan loss allowance to noncurrent loans | 189.5470% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4312% | 4,312 |
| Noncurrent loans to loans | 0.7537% | 3,373 |
| Net loans and leases to total assets | 55.6728% | 4,240 |
| Net loans and leases to deposits | 61.9783% | 4,569 |
| Net loans and leases to core deposits | 64.7858% | 4,628 |
| Total domestic deposits to total assets | 89.8262% | 826 |
| Equity capital to assets | 9.1530% | 5,134 |
| Core capital (leverage) ratio | 8.9411% | 5,024 |
| Tier 1 risk-based capital ratio | 15.1701% | 3,338 |
| Total risk-based capital ratio | 16.4213% | 3,260 |
| Memoranda: | ||
| Average total assets | $267,467,500 | 2,404 |
| Average earning assets | $244,841,000 | 2,429 |
| Average equity | $24,234,500 | 2,808 |
| Average total loans | $152,678,000 | 2,586 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8757% | 4,217 |
| Cost of funding earning assets | 0.7578% | 807 |
| Net interest margin | 3.1179% | 5,163 |
| Noninterest income to average assets | 0.5798% | 2,988 |
| Noninterest expense to average assets | 2.1524% | 5,451 |
| Loan and lease loss provision to assets | 0.0622% | 3,272 |
| Net operating income to assets | 0.8789% | 2,981 |
| Return on assets (ROA) | 0.8789% | 3,066 |
| Pretax return on assets | 1.2051% | 2,636 |
| Return on Equity (ROE) | 10.0380% | 2,099 |
| Retained earnings to average equity (ytd only) | 6.4892% | 1,646 |
| Net charge-offs to loans | 0.0658% | 3,543 |
| Credit loss provision to net charge-offs | 163.2653% | 1,487 |
| Earnings coverage of net charge-offs (x) | 33.2551% | 1,243 |
| Efficiency ratio | 62.9406% | 4,763 |
| Assets per employee ($millions) | 5.1008% | 2,192 |
| Cash dividends to net income (ytd only)* | 35.3540% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 2,972 |
| Loan loss allowance to noncurrent loans | 163.9785% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.4973% | 4,143 |
| Noncurrent loans to loans | 0.8508% | 3,182 |
| Net loans and leases to total assets | 56.8912% | 4,215 |
| Net loans and leases to deposits | 63.3589% | 4,595 |
| Net loans and leases to core deposits | 66.0669% | 4,663 |
| Total domestic deposits to total assets | 89.7920% | 836 |
| Equity capital to assets | 8.9669% | 5,326 |
| Core capital (leverage) ratio | 8.7992% | 5,245 |
| Tier 1 risk-based capital ratio | 15.1180% | 3,427 |
| Total risk-based capital ratio | 16.3699% | 3,375 |
| Memoranda: | ||
| Average total assets | $257,154,000 | 2,462 |
| Average earning assets | $234,231,600 | 2,478 |
| Average equity | $22,514,400 | 2,899 |
| Average total loans | $149,018,800 | 2,587 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 4,248 |
| Cost of funding earning assets | 0.7730% | 787 |
| Net interest margin | 3.1046% | 5,242 |
| Noninterest income to average assets | 0.5796% | 2,993 |
| Noninterest expense to average assets | 2.1583% | 5,436 |
| Loan and lease loss provision to assets | 0.0706% | 2,938 |
| Net operating income to assets | 0.8226% | 3,327 |
| Return on assets (ROA) | 0.8226% | 3,415 |
| Pretax return on assets | 1.1779% | 2,869 |
| Return on Equity (ROE) | 9.4545% | 2,473 |
| Retained earnings to average equity (ytd only) | 6.7875% | 1,931 |
| Net charge-offs to loans | 0.0441% | 3,615 |
| Credit loss provision to net charge-offs | 275.5102% | 972 |
| Earnings coverage of net charge-offs (x) | 48.7563% | 993 |
| Efficiency ratio | 63.3533% | 4,652 |
| Assets per employee ($millions) | 4.7589% | 2,584 |
| Cash dividends to net income (ytd only)* | 28.2087% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 3,135 |
| Loan loss allowance to noncurrent loans | 146.6712% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 4,130 |
| Noncurrent loans to loans | 0.9601% | 3,159 |
| Net loans and leases to total assets | 58.8237% | 3,961 |
| Net loans and leases to deposits | 65.7052% | 4,361 |
| Net loans and leases to core deposits | 68.7009% | 4,444 |
| Total domestic deposits to total assets | 89.5267% | 971 |
| Equity capital to assets | 8.9949% | 5,357 |
| Core capital (leverage) ratio | 8.9360% | 5,145 |
| Tier 1 risk-based capital ratio | 14.9006% | 3,648 |
| Total risk-based capital ratio | 16.1529% | 3,578 |
| Memoranda: | ||
| Average total assets | $255,131,750 | 2,499 |
| Average earning assets | $232,334,500 | 2,512 |
| Average equity | $22,197,000 | 2,935 |
| Average total loans | $148,014,750 | 2,616 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 4,257 |
| Cost of funding earning assets | 0.7803% | 789 |
| Net interest margin | 3.0911% | 5,278 |
| Noninterest income to average assets | 0.5658% | 3,012 |
| Noninterest expense to average assets | 2.1303% | 5,562 |
| Loan and lease loss provision to assets | 0.0251% | 3,779 |
| Net operating income to assets | 0.8518% | 3,063 |
| Return on assets (ROA) | 0.8518% | 3,164 |
| Pretax return on assets | 1.2211% | 2,568 |
| Return on Equity (ROE) | 9.9036% | 2,191 |
| Retained earnings to average equity (ytd only) | 5.8472% | 2,417 |
| Net charge-offs to loans | 0.0014% | 4,352 |
| Credit loss provision to net charge-offs | 3,200.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 1,586.0000% | 25 |
| Efficiency ratio | 63.0905% | 4,843 |
| Assets per employee ($millions) | 4.9723% | 2,247 |
| Cash dividends to net income (ytd only)* | 40.9594% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 3,106 |
| Loan loss allowance to noncurrent loans | 126.9765% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6699% | 3,982 |
| Noncurrent loans to loans | 1.1424% | 2,947 |
| Net loans and leases to total assets | 55.2855% | 4,377 |
| Net loans and leases to deposits | 61.8154% | 4,713 |
| Net loans and leases to core deposits | 64.9650% | 4,728 |
| Total domestic deposits to total assets | 89.4364% | 1,131 |
| Equity capital to assets | 8.7149% | 5,604 |
| Core capital (leverage) ratio | 8.6870% | 5,421 |
| Tier 1 risk-based capital ratio | 15.1778% | 3,537 |
| Total risk-based capital ratio | 16.4299% | 3,480 |
| Memoranda: | ||
| Average total assets | $254,516,330 | 2,508 |
| Average earning assets | $231,438,330 | 2,533 |
| Average equity | $21,891,000 | 2,961 |
| Average total loans | $146,245,330 | 2,637 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 3,891 |
| Cost of funding earning assets | 0.7874% | 795 |
| Net interest margin | 3.1636% | 5,041 |
| Noninterest income to average assets | 0.5418% | 3,102 |
| Noninterest expense to average assets | 2.1577% | 5,562 |
| Loan and lease loss provision to assets | 0.0317% | 3,405 |
| Net operating income to assets | 0.8460% | 2,920 |
| Return on assets (ROA) | 0.8460% | 2,998 |
| Pretax return on assets | 1.2167% | 2,409 |
| Return on Equity (ROE) | 9.9026% | 2,081 |
| Retained earnings to average equity (ytd only) | 9.9026% | 991 |
| Net charge-offs to loans | -0.0109% | 5,084 |
| Credit loss provision to net charge-offs | -500.0000% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3488% | 4,955 |
| Assets per employee ($millions) | 4.9270% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 3,390 |
| Loan loss allowance to noncurrent loans | 122.8471% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.6663% | 4,123 |
| Noncurrent loans to loans | 1.1763% | 3,084 |
| Net loans and leases to total assets | 55.8243% | 4,164 |
| Net loans and leases to deposits | 62.4604% | 4,496 |
| Net loans and leases to core deposits | 65.6614% | 4,526 |
| Total domestic deposits to total assets | 89.3756% | 1,431 |
| Equity capital to assets | 8.6244% | 5,523 |
| Core capital (leverage) ratio | 8.7085% | 5,370 |
| Tier 1 risk-based capital ratio | 15.1702% | 3,625 |
| Total risk-based capital ratio | 16.4221% | 3,581 |
| Memoranda: | ||
| Average total assets | $252,495,500 | 2,534 |
| Average earning assets | $228,603,500 | 2,570 |
| Average equity | $21,570,000 | 2,989 |
| Average total loans | $146,843,500 | 2,629 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9614% | 4,234 |
| Cost of funding earning assets | 0.8568% | 928 |
| Net interest margin | 3.1046% | 5,296 |
| Noninterest income to average assets | 0.5642% | 3,302 |
| Noninterest expense to average assets | 2.0795% | 5,872 |
| Loan and lease loss provision to assets | 0.1423% | 2,528 |
| Net operating income to assets | 0.8583% | 2,985 |
| Return on assets (ROA) | 0.8645% | 3,030 |
| Pretax return on assets | 1.1907% | 2,614 |
| Return on Equity (ROE) | 9.9154% | 2,151 |
| Retained earnings to average equity (ytd only) | 6.4851% | 1,695 |
| Net charge-offs to loans | 0.0750% | 4,157 |
| Credit loss provision to net charge-offs | 335.2381% | 681 |
| Earnings coverage of net charge-offs (x) | 31.2095% | 1,145 |
| Efficiency ratio | 61.0900% | 5,348 |
| Assets per employee ($millions) | 4.8782% | 2,338 |
| Cash dividends to net income (ytd only)* | 34.5956% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 3,676 |
| Loan loss allowance to noncurrent loans | 94.5280% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.8815% | 3,686 |
| Noncurrent loans to loans | 1.4761% | 2,678 |
| Net loans and leases to total assets | 58.8828% | 3,893 |
| Net loans and leases to deposits | 65.5571% | 4,347 |
| Net loans and leases to core deposits | 68.9874% | 4,395 |
| Total domestic deposits to total assets | 89.8191% | 1,167 |
| Equity capital to assets | 8.4586% | 5,628 |
| Core capital (leverage) ratio | 8.7257% | 5,386 |
| Tier 1 risk-based capital ratio | 14.5956% | 3,905 |
| Total risk-based capital ratio | 15.8470% | 3,839 |
| Memoranda: | ||
| Average total assets | $247,413,800 | 2,553 |
| Average earning assets | $226,308,400 | 2,553 |
| Average equity | $21,572,400 | 2,974 |
| Average total loans | $140,022,800 | 2,699 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9058% | 4,481 |
| Cost of funding earning assets | 0.8650% | 971 |
| Net interest margin | 3.0408% | 5,487 |
| Noninterest income to average assets | 0.5585% | 3,403 |
| Noninterest expense to average assets | 2.0479% | 5,932 |
| Loan and lease loss provision to assets | 0.1198% | 2,798 |
| Net operating income to assets | 0.8057% | 3,319 |
| Return on assets (ROA) | 0.8057% | 3,450 |
| Pretax return on assets | 1.1851% | 2,763 |
| Return on Equity (ROE) | 9.1715% | 2,559 |
| Retained earnings to average equity (ytd only) | 6.4440% | 2,166 |
| Net charge-offs to loans | 0.0938% | 3,628 |
| Credit loss provision to net charge-offs | 228.8660% | 1,063 |
| Earnings coverage of net charge-offs (x) | 24.9279% | 1,405 |
| Efficiency ratio | 61.0816% | 5,270 |
| Assets per employee ($millions) | 5.0836% | 2,070 |
| Cash dividends to net income (ytd only)* | 29.7390% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 4,294 |
| Loan loss allowance to noncurrent loans | 92.9524% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 0.8430% | 4,010 |
| Noncurrent loans to loans | 1.4183% | 3,042 |
| Net loans and leases to total assets | 58.6579% | 3,901 |
| Net loans and leases to deposits | 67.4146% | 4,128 |
| Net loans and leases to core deposits | 70.9348% | 4,220 |
| Total domestic deposits to total assets | 87.0107% | 2,690 |
| Equity capital to assets | 8.4421% | 5,799 |
| Core capital (leverage) ratio | 8.5930% | 5,667 |
| Tier 1 risk-based capital ratio | 14.4803% | 4,083 |
| Total risk-based capital ratio | 15.7313% | 4,033 |
| Memoranda: | ||
| Average total assets | $247,070,000 | 2,573 |
| Average earning assets | $227,040,000 | 2,554 |
| Average equity | $21,704,500 | 2,992 |
| Average total loans | $137,886,750 | 2,745 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8342% | 4,716 |
| Cost of funding earning assets | 0.8843% | 966 |
| Net interest margin | 2.9499% | 5,695 |
| Noninterest income to average assets | 0.5463% | 3,524 |
| Noninterest expense to average assets | 2.0057% | 6,035 |
| Loan and lease loss provision to assets | 0.0812% | 3,438 |
| Net operating income to assets | 0.7882% | 3,362 |
| Return on assets (ROA) | 0.7882% | 3,525 |
| Pretax return on assets | 1.1591% | 2,844 |
| Return on Equity (ROE) | 8.8556% | 2,674 |
| Retained earnings to average equity (ytd only) | 4.8063% | 3,177 |
| Net charge-offs to loans | 0.1487% | 2,914 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 15.2800% | 1,755 |
| Efficiency ratio | 61.7904% | 5,203 |
| Assets per employee ($millions) | 5.1672% | 1,915 |
| Cash dividends to net income (ytd only)* | 45.7261% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 4,406 |
| Loan loss allowance to noncurrent loans | 73.1678% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.0611% | 3,624 |
| Noncurrent loans to loans | 1.8039% | 2,636 |
| Net loans and leases to total assets | 56.2440% | 4,238 |
| Net loans and leases to deposits | 63.3542% | 4,575 |
| Net loans and leases to core deposits | 66.8535% | 4,609 |
| Total domestic deposits to total assets | 88.7770% | 1,742 |
| Equity capital to assets | 8.7417% | 5,497 |
| Core capital (leverage) ratio | 8.6376% | 5,507 |
| Tier 1 risk-based capital ratio | 14.8545% | 3,871 |
| Total risk-based capital ratio | 16.1052% | 3,835 |
| Memoranda: | ||
| Average total assets | $246,394,330 | 2,584 |
| Average earning assets | $225,495,670 | 2,583 |
| Average equity | $21,929,670 | 2,997 |
| Average total loans | $134,493,330 | 2,793 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8023% | 4,817 |
| Cost of funding earning assets | 0.8909% | 1,033 |
| Net interest margin | 2.9114% | 5,790 |
| Noninterest income to average assets | 0.5384% | 3,508 |
| Noninterest expense to average assets | 1.9761% | 6,151 |
| Loan and lease loss provision to assets | 0.0322% | 4,041 |
| Net operating income to assets | 0.8059% | 3,126 |
| Return on assets (ROA) | 0.8059% | 3,261 |
| Pretax return on assets | 1.1847% | 2,633 |
| Return on Equity (ROE) | 8.9769% | 2,500 |
| Retained earnings to average equity (ytd only) | 8.9769% | 1,391 |
| Net charge-offs to loans | 0.2897% | 1,806 |
| Credit loss provision to net charge-offs | 20.8333% | 3,022 |
| Earnings coverage of net charge-offs (x) | 7.8646% | 2,012 |
| Efficiency ratio | 61.8879% | 5,317 |
| Assets per employee ($millions) | 5.2780% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 4,527 |
| Loan loss allowance to noncurrent loans | 62.7058% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.1586% | 3,631 |
| Noncurrent loans to loans | 2.1327% | 2,461 |
| Net loans and leases to total assets | 52.1047% | 4,691 |
| Net loans and leases to deposits | 59.2682% | 4,879 |
| Net loans and leases to core deposits | 62.4158% | 4,913 |
| Total domestic deposits to total assets | 87.9134% | 2,375 |
| Equity capital to assets | 9.0443% | 5,432 |
| Core capital (leverage) ratio | 8.5092% | 5,578 |
| Tier 1 risk-based capital ratio | 15.1488% | 3,739 |
| Total risk-based capital ratio | 16.3991% | 3,693 |
| Memoranda: | ||
| Average total assets | $248,162,500 | 2,603 |
| Average earning assets | $226,286,500 | 2,602 |
| Average equity | $22,279,500 | 2,997 |
| Average total loans | $132,530,000 | 2,857 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1555% | 4,753 |
| Cost of funding earning assets | 1.0522% | 1,111 |
| Net interest margin | 3.1033% | 5,804 |
| Noninterest income to average assets | 0.5272% | 3,731 |
| Noninterest expense to average assets | 2.0003% | 6,323 |
| Loan and lease loss provision to assets | 0.1538% | 3,687 |
| Net operating income to assets | 0.8684% | 2,966 |
| Return on assets (ROA) | 0.8693% | 3,201 |
| Pretax return on assets | 1.1864% | 2,848 |
| Return on Equity (ROE) | 9.7682% | 2,279 |
| Retained earnings to average equity (ytd only) | 6.6167% | 1,756 |
| Net charge-offs to loans | 0.0083% | 5,829 |
| Credit loss provision to net charge-offs | 3,354.5455% | 73 |
| Earnings coverage of net charge-offs (x) | 292.0909% | 135 |
| Efficiency ratio | 59.9027% | 5,557 |
| Assets per employee ($millions) | 5.3969% | 1,786 |
| Cash dividends to net income (ytd only)* | 32.2627% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 4,342 |
| Loan loss allowance to noncurrent loans | 65.4604% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.1565% | 3,728 |
| Noncurrent loans to loans | 2.0820% | 2,601 |
| Net loans and leases to total assets | 53.2617% | 4,719 |
| Net loans and leases to deposits | 60.4117% | 4,981 |
| Net loans and leases to core deposits | 63.5913% | 5,006 |
| Total domestic deposits to total assets | 88.1647% | 2,121 |
| Equity capital to assets | 8.9113% | 5,620 |
| Core capital (leverage) ratio | 8.3089% | 5,877 |
| Tier 1 risk-based capital ratio | 14.8111% | 3,825 |
| Total risk-based capital ratio | 16.0620% | 3,780 |
| Memoranda: | ||
| Average total assets | $239,964,600 | 2,636 |
| Average earning assets | $217,447,200 | 2,636 |
| Average equity | $21,355,000 | 3,059 |
| Average total loans | $132,114,000 | 2,845 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 4,846 |
| Cost of funding earning assets | 1.0826% | 1,135 |
| Net interest margin | 3.1089% | 5,919 |
| Noninterest income to average assets | 0.5179% | 3,813 |
| Noninterest expense to average assets | 2.0266% | 6,311 |
| Loan and lease loss provision to assets | 0.0723% | 4,761 |
| Net operating income to assets | 0.8424% | 3,242 |
| Return on assets (ROA) | 0.8435% | 3,489 |
| Pretax return on assets | 1.2403% | 2,823 |
| Return on Equity (ROE) | 9.4817% | 2,600 |
| Retained earnings to average equity (ytd only) | 7.0877% | 2,073 |
| Net charge-offs to loans | -0.0253% | 6,548 |
| Credit loss provision to net charge-offs | -516.0000% | 6,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7221% | 5,370 |
| Assets per employee ($millions) | 5.2461% | 1,887 |
| Cash dividends to net income (ytd only)* | 25.2489% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 5,215 |
| Loan loss allowance to noncurrent loans | 68.9465% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.0344% | 4,226 |
| Noncurrent loans to loans | 1.7638% | 3,136 |
| Net loans and leases to total assets | 55.8463% | 4,482 |
| Net loans and leases to deposits | 63.5894% | 4,764 |
| Net loans and leases to core deposits | 66.9633% | 4,843 |
| Total domestic deposits to total assets | 87.8233% | 2,158 |
| Equity capital to assets | 9.2848% | 5,487 |
| Core capital (leverage) ratio | 8.5894% | 5,636 |
| Tier 1 risk-based capital ratio | 15.3759% | 3,611 |
| Total risk-based capital ratio | 16.6160% | 3,570 |
| Memoranda: | ||
| Average total assets | $237,891,500 | 2,680 |
| Average earning assets | $215,761,750 | 2,688 |
| Average equity | $21,163,000 | 3,106 |
| Average total loans | $131,629,250 | 2,884 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2189% | 4,888 |
| Cost of funding earning assets | 1.1057% | 1,198 |
| Net interest margin | 3.1131% | 5,969 |
| Noninterest income to average assets | 0.4931% | 3,960 |
| Noninterest expense to average assets | 2.0243% | 6,384 |
| Loan and lease loss provision to assets | 0.0595% | 4,905 |
| Net operating income to assets | 0.8318% | 3,231 |
| Return on assets (ROA) | 0.8336% | 3,489 |
| Pretax return on assets | 1.2260% | 2,821 |
| Return on Equity (ROE) | 9.5070% | 2,570 |
| Retained earnings to average equity (ytd only) | 5.8725% | 2,783 |
| Net charge-offs to loans | -0.0397% | 6,603 |
| Credit loss provision to net charge-offs | -273.0769% | 6,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2069% | 5,384 |
| Assets per employee ($millions) | 5.0407% | 2,124 |
| Cash dividends to net income (ytd only)* | 38.2294% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 5,441 |
| Loan loss allowance to noncurrent loans | 89.5881% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7779% | 4,850 |
| Noncurrent loans to loans | 1.3178% | 3,945 |
| Net loans and leases to total assets | 55.3266% | 4,574 |
| Net loans and leases to deposits | 63.3951% | 4,840 |
| Net loans and leases to core deposits | 66.8897% | 4,908 |
| Total domestic deposits to total assets | 87.2727% | 2,613 |
| Equity capital to assets | 8.9842% | 5,717 |
| Core capital (leverage) ratio | 8.3680% | 5,832 |
| Tier 1 risk-based capital ratio | 16.0419% | 3,144 |
| Total risk-based capital ratio | 17.2917% | 3,110 |
| Memoranda: | ||
| Average total assets | $238,497,670 | 2,679 |
| Average earning assets | $215,603,000 | 2,696 |
| Average equity | $20,911,000 | 3,117 |
| Average total loans | $131,018,670 | 2,912 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 4,884 |
| Cost of funding earning assets | 1.1395% | 1,218 |
| Net interest margin | 3.1219% | 5,978 |
| Noninterest income to average assets | 0.4614% | 4,214 |
| Noninterest expense to average assets | 2.0043% | 6,453 |
| Loan and lease loss provision to assets | 0.0167% | 5,117 |
| Net operating income to assets | 0.8425% | 3,191 |
| Return on assets (ROA) | 0.8425% | 3,429 |
| Pretax return on assets | 1.2387% | 2,770 |
| Return on Equity (ROE) | 9.7279% | 2,506 |
| Retained earnings to average equity (ytd only) | 9.7279% | 1,346 |
| Net charge-offs to loans | -0.1106% | 6,826 |
| Credit loss provision to net charge-offs | -27.7778% | 5,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4872% | 5,371 |
| Assets per employee ($millions) | 5.0599% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 5,577 |
| Loan loss allowance to noncurrent loans | 102.0202% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.7049% | 5,140 |
| Noncurrent loans to loans | 1.1588% | 4,391 |
| Net loans and leases to total assets | 52.1400% | 5,001 |
| Net loans and leases to deposits | 61.4284% | 4,996 |
| Net loans and leases to core deposits | 65.9264% | 4,919 |
| Total domestic deposits to total assets | 84.8793% | 4,094 |
| Equity capital to assets | 8.6000% | 5,993 |
| Core capital (leverage) ratio | 8.1001% | 6,157 |
| Tier 1 risk-based capital ratio | 16.0607% | 3,144 |
| Total risk-based capital ratio | 17.3083% | 3,112 |
| Memoranda: | ||
| Average total assets | $239,289,000 | 2,677 |
| Average earning assets | $214,482,000 | 2,717 |
| Average equity | $20,724,000 | 3,141 |
| Average total loans | $130,206,500 | 2,937 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5134% | 5,020 |
| Cost of funding earning assets | 1.3263% | 1,356 |
| Net interest margin | 3.1870% | 6,133 |
| Noninterest income to average assets | 0.6398% | 2,949 |
| Noninterest expense to average assets | 2.1401% | 6,407 |
| Loan and lease loss provision to assets | 0.3105% | 3,185 |
| Net operating income to assets | 0.7977% | 3,044 |
| Return on assets (ROA) | 0.7977% | 3,211 |
| Pretax return on assets | 1.0973% | 2,848 |
| Return on Equity (ROE) | 9.5615% | 2,223 |
| Retained earnings to average equity (ytd only) | 9.5615% | 657 |
| Net charge-offs to loans | 0.3562% | 3,624 |
| Credit loss provision to net charge-offs | 149.5798% | 1,895 |
| Earnings coverage of net charge-offs (x) | 6.7815% | 2,448 |
| Efficiency ratio | 59.9631% | 5,764 |
| Assets per employee ($millions) | 5.0150% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 5,780 |
| Loan loss allowance to noncurrent loans | 76.4063% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.1158% | 4,375 |
| Noncurrent loans to loans | 1.4516% | 3,988 |
| Net loans and leases to total assets | 55.4918% | 4,794 |
| Net loans and leases to deposits | 64.0233% | 5,004 |
| Net loans and leases to core deposits | 67.7961% | 5,055 |
| Total domestic deposits to total assets | 86.6744% | 2,931 |
| Equity capital to assets | 8.7232% | 5,875 |
| Core capital (leverage) ratio | 8.1040% | 6,136 |
| Tier 1 risk-based capital ratio | 15.2983% | 3,453 |
| Total risk-based capital ratio | 16.4856% | 3,448 |
| Memoranda: | ||
| Average total assets | $229,284,800 | 2,732 |
| Average earning assets | $209,222,200 | 2,738 |
| Average equity | $19,128,800 | 3,261 |
| Average total loans | $133,622,200 | 2,929 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5307% | 5,160 |
| Cost of funding earning assets | 1.3592% | 1,419 |
| Net interest margin | 3.1715% | 6,228 |
| Noninterest income to average assets | 0.6453% | 2,912 |
| Noninterest expense to average assets | 2.1339% | 6,450 |
| Loan and lease loss provision to assets | 0.3484% | 2,789 |
| Net operating income to assets | 0.7355% | 3,449 |
| Return on assets (ROA) | 0.7355% | 3,626 |
| Pretax return on assets | 1.0816% | 3,089 |
| Return on Equity (ROE) | 8.9214% | 2,634 |
| Retained earnings to average equity (ytd only) | 8.9214% | 1,172 |
| Net charge-offs to loans | 0.4797% | 2,819 |
| Credit loss provision to net charge-offs | 123.4440% | 2,609 |
| Earnings coverage of net charge-offs (x) | 5.0664% | 2,884 |
| Efficiency ratio | 59.5136% | 5,792 |
| Assets per employee ($millions) | 5.0079% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 6,242 |
| Loan loss allowance to noncurrent loans | 82.3529% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.0874% | 4,583 |
| Noncurrent loans to loans | 1.2201% | 4,509 |
| Net loans and leases to total assets | 57.4827% | 4,591 |
| Net loans and leases to deposits | 65.9544% | 4,911 |
| Net loans and leases to core deposits | 69.9137% | 4,956 |
| Total domestic deposits to total assets | 87.1552% | 2,548 |
| Equity capital to assets | 8.7457% | 6,036 |
| Core capital (leverage) ratio | 8.0567% | 6,336 |
| Tier 1 risk-based capital ratio | 14.8546% | 3,754 |
| Total risk-based capital ratio | 15.9430% | 3,819 |
| Memoranda: | ||
| Average total assets | $227,679,750 | 2,757 |
| Average earning assets | $209,528,250 | 2,741 |
| Average equity | $18,770,750 | 3,317 |
| Average total loans | $133,961,750 | 2,942 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4576% | 5,500 |
| Cost of funding earning assets | 1.3706% | 1,546 |
| Net interest margin | 3.0871% | 6,435 |
| Noninterest income to average assets | 0.6438% | 2,890 |
| Noninterest expense to average assets | 2.1157% | 6,561 |
| Loan and lease loss provision to assets | 0.4542% | 2,149 |
| Net operating income to assets | 0.6323% | 3,903 |
| Return on assets (ROA) | 0.6323% | 4,025 |
| Pretax return on assets | 0.9304% | 3,505 |
| Return on Equity (ROE) | 7.8309% | 3,027 |
| Retained earnings to average equity (ytd only) | 7.8309% | 1,519 |
| Net charge-offs to loans | 0.5954% | 2,329 |
| Credit loss provision to net charge-offs | 129.0727% | 2,363 |
| Earnings coverage of net charge-offs (x) | 3.9348% | 3,012 |
| Efficiency ratio | 60.0655% | 5,858 |
| Assets per employee ($millions) | 4.7777% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 6,314 |
| Loan loss allowance to noncurrent loans | 75.3225% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.8804% | 5,115 |
| Noncurrent loans to loans | 1.3321% | 4,427 |
| Net loans and leases to total assets | 57.7798% | 4,673 |
| Net loans and leases to deposits | 66.5500% | 4,914 |
| Net loans and leases to core deposits | 70.5534% | 5,007 |
| Total domestic deposits to total assets | 86.8217% | 2,842 |
| Equity capital to assets | 8.3050% | 6,420 |
| Core capital (leverage) ratio | 7.8234% | 6,492 |
| Tier 1 risk-based capital ratio | 14.5472% | 3,755 |
| Total risk-based capital ratio | 15.6449% | 3,841 |
| Memoranda: | ||
| Average total assets | $226,784,670 | 2,786 |
| Average earning assets | $209,842,330 | 2,760 |
| Average equity | $18,312,000 | 3,368 |
| Average total loans | $134,027,670 | 2,964 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4010% | 5,696 |
| Cost of funding earning assets | 1.3911% | 1,658 |
| Net interest margin | 3.0099% | 6,552 |
| Noninterest income to average assets | 0.6350% | 2,931 |
| Noninterest expense to average assets | 2.1125% | 6,604 |
| Loan and lease loss provision to assets | 0.4878% | 1,800 |
| Net operating income to assets | 0.5605% | 4,229 |
| Return on assets (ROA) | 0.5605% | 4,306 |
| Pretax return on assets | 0.8248% | 3,809 |
| Return on Equity (ROE) | 7.0437% | 3,355 |
| Retained earnings to average equity (ytd only) | 7.0437% | 2,127 |
| Net charge-offs to loans | 0.8321% | 1,580 |
| Credit loss provision to net charge-offs | 98.5663% | 2,773 |
| Earnings coverage of net charge-offs (x) | 2.6523% | 3,016 |
| Efficiency ratio | 61.2636% | 5,799 |
| Assets per employee ($millions) | 4.7197% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9165% | 6,654 |
| Loan loss allowance to noncurrent loans | 57.4528% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.0400% | 4,832 |
| Noncurrent loans to loans | 1.5951% | 4,087 |
| Net loans and leases to total assets | 58.1270% | 4,629 |
| Net loans and leases to deposits | 66.4157% | 4,908 |
| Net loans and leases to core deposits | 69.9028% | 5,055 |
| Total domestic deposits to total assets | 87.5200% | 2,652 |
| Equity capital to assets | 7.9882% | 6,512 |
| Core capital (leverage) ratio | 7.7105% | 6,549 |
| Tier 1 risk-based capital ratio | 14.0883% | 4,014 |
| Total risk-based capital ratio | 15.0751% | 4,173 |
| Memoranda: | ||
| Average total assets | $225,511,500 | 2,813 |
| Average earning assets | $209,041,500 | 2,798 |
| Average equity | $17,945,000 | 3,403 |
| Average total loans | $134,116,500 | 3,005 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8753% | 5,137 |
| Cost of funding earning assets | 1.6514% | 1,825 |
| Net interest margin | 3.2239% | 6,210 |
| Noninterest income to average assets | 0.6724% | 3,005 |
| Noninterest expense to average assets | 2.2413% | 6,508 |
| Loan and lease loss provision to assets | 0.0570% | 6,568 |
| Net operating income to assets | 0.9173% | 2,326 |
| Return on assets (ROA) | 0.9396% | 2,369 |
| Pretax return on assets | 1.3500% | 1,798 |
| Return on Equity (ROE) | 11.2840% | 1,510 |
| Retained earnings to average equity (ytd only) | 9.7690% | 558 |
| Net charge-offs to loans | 0.0527% | 6,265 |
| Credit loss provision to net charge-offs | 173.5294% | 1,937 |
| Earnings coverage of net charge-offs (x) | 41.8382% | 555 |
| Efficiency ratio | 61.6680% | 5,784 |
| Assets per employee ($millions) | 4.6766% | 2,585 |
| Cash dividends to net income (ytd only)* | 13.4259% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 6,728 |
| Loan loss allowance to noncurrent loans | 80.9714% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 5,466 |
| Noncurrent loans to loans | 1.1106% | 4,884 |
| Net loans and leases to total assets | 59.7449% | 4,718 |
| Net loans and leases to deposits | 68.3208% | 5,062 |
| Net loans and leases to core deposits | 71.6756% | 5,244 |
| Total domestic deposits to total assets | 87.4477% | 2,580 |
| Equity capital to assets | 7.9265% | 6,555 |
| Core capital (leverage) ratio | 7.6383% | 6,588 |
| Tier 1 risk-based capital ratio | 13.6052% | 4,128 |
| Total risk-based capital ratio | 14.5754% | 4,317 |
| Memoranda: | ||
| Average total assets | $206,885,600 | 3,017 |
| Average earning assets | $188,930,600 | 3,022 |
| Average equity | $17,228,000 | 3,546 |
| Average total loans | $128,919,200 | 3,140 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9908% | 4,863 |
| Cost of funding earning assets | 1.6997% | 1,881 |
| Net interest margin | 3.2911% | 6,045 |
| Noninterest income to average assets | 0.6650% | 3,041 |
| Noninterest expense to average assets | 2.2730% | 6,401 |
| Loan and lease loss provision to assets | 0.0500% | 6,585 |
| Net operating income to assets | 0.9021% | 2,599 |
| Return on assets (ROA) | 0.9021% | 2,749 |
| Pretax return on assets | 1.3255% | 2,105 |
| Return on Equity (ROE) | 10.6903% | 1,876 |
| Retained earnings to average equity (ytd only) | 8.6537% | 1,181 |
| Net charge-offs to loans | 0.0408% | 6,137 |
| Credit loss provision to net charge-offs | 194.8718% | 1,832 |
| Earnings coverage of net charge-offs (x) | 53.5627% | 540 |
| Efficiency ratio | 62.0285% | 5,614 |
| Assets per employee ($millions) | 4.3999% | 3,080 |
| Cash dividends to net income (ytd only)* | 19.0510% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9142% | 6,697 |
| Loan loss allowance to noncurrent loans | 158.8391% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 6,208 |
| Noncurrent loans to loans | 0.5755% | 6,056 |
| Net loans and leases to total assets | 61.7915% | 4,575 |
| Net loans and leases to deposits | 71.2858% | 4,950 |
| Net loans and leases to core deposits | 75.4388% | 5,125 |
| Total domestic deposits to total assets | 86.6814% | 2,704 |
| Equity capital to assets | 8.5353% | 6,238 |
| Core capital (leverage) ratio | 7.8898% | 6,478 |
| Tier 1 risk-based capital ratio | 13.7749% | 3,997 |
| Total risk-based capital ratio | 14.7810% | 4,129 |
| Memoranda: | ||
| Average total assets | $202,488,000 | 3,108 |
| Average earning assets | $183,559,750 | 3,130 |
| Average equity | $17,086,750 | 3,625 |
| Average total loans | $127,316,500 | 3,223 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0019% | 4,929 |
| Cost of funding earning assets | 1.7153% | 2,042 |
| Net interest margin | 3.2866% | 6,059 |
| Noninterest income to average assets | 0.6433% | 3,044 |
| Noninterest expense to average assets | 2.2877% | 6,388 |
| Loan and lease loss provision to assets | 0.0291% | 6,654 |
| Net operating income to assets | 0.8848% | 2,604 |
| Return on assets (ROA) | 0.8848% | 2,726 |
| Pretax return on assets | 1.3007% | 2,083 |
| Return on Equity (ROE) | 10.5284% | 1,918 |
| Retained earnings to average equity (ytd only) | 7.4164% | 1,670 |
| Net charge-offs to loans | 0.0556% | 5,607 |
| Credit loss provision to net charge-offs | 82.8571% | 4,633 |
| Earnings coverage of net charge-offs (x) | 37.9143% | 759 |
| Efficiency ratio | 62.9640% | 5,526 |
| Assets per employee ($millions) | 4.2716% | 3,268 |
| Cash dividends to net income (ytd only)* | 29.5583% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 6,764 |
| Loan loss allowance to noncurrent loans | 128.6830% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.5106% | 6,181 |
| Noncurrent loans to loans | 0.6977% | 5,850 |
| Net loans and leases to total assets | 62.0739% | 4,670 |
| Net loans and leases to deposits | 71.5696% | 5,062 |
| Net loans and leases to core deposits | 75.7382% | 5,222 |
| Total domestic deposits to total assets | 86.7322% | 2,689 |
| Equity capital to assets | 8.4131% | 6,281 |
| Core capital (leverage) ratio | 7.8949% | 6,387 |
| Tier 1 risk-based capital ratio | 13.4931% | 4,072 |
| Total risk-based capital ratio | 14.4627% | 4,234 |
| Memoranda: | ||
| Average total assets | $199,586,000 | 3,169 |
| Average earning assets | $180,612,330 | 3,189 |
| Average equity | $16,773,670 | 3,671 |
| Average total loans | $125,854,000 | 3,282 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9601% | 5,194 |
| Cost of funding earning assets | 1.7093% | 2,341 |
| Net interest margin | 3.2508% | 6,128 |
| Noninterest income to average assets | 0.6380% | 3,015 |
| Noninterest expense to average assets | 2.3265% | 6,314 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8595% | 2,710 |
| Return on assets (ROA) | 0.8595% | 2,801 |
| Pretax return on assets | 1.2638% | 2,158 |
| Return on Equity (ROE) | 10.2325% | 2,027 |
| Retained earnings to average equity (ytd only) | 3.9188% | 3,786 |
| Net charge-offs to loans | 0.0064% | 5,519 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 311.0000% | 99 |
| Efficiency ratio | 64.5161% | 5,388 |
| Assets per employee ($millions) | 4.1715% | 3,517 |
| Cash dividends to net income (ytd only)* | 61.7021% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 6,701 |
| Loan loss allowance to noncurrent loans | 125.2986% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 6,167 |
| Noncurrent loans to loans | 0.7521% | 5,819 |
| Net loans and leases to total assets | 60.5846% | 5,023 |
| Net loans and leases to deposits | 69.8141% | 5,368 |
| Net loans and leases to core deposits | 73.4662% | 5,554 |
| Total domestic deposits to total assets | 86.7800% | 2,747 |
| Equity capital to assets | 8.3068% | 6,291 |
| Core capital (leverage) ratio | 7.8444% | 6,441 |
| Tier 1 risk-based capital ratio | 13.8565% | 3,761 |
| Total risk-based capital ratio | 14.8826% | 3,864 |
| Memoranda: | ||
| Average total assets | $196,860,000 | 3,259 |
| Average earning assets | $178,786,000 | 3,269 |
| Average equity | $16,535,500 | 3,747 |
| Average total loans | $124,567,000 | 3,373 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2604% | 5,363 |
| Cost of funding earning assets | 1.9826% | 3,043 |
| Net interest margin | 3.2779% | 5,829 |
| Noninterest income to average assets | 0.6607% | 3,217 |
| Noninterest expense to average assets | 2.3902% | 6,496 |
| Loan and lease loss provision to assets | 0.1283% | 6,358 |
| Net operating income to assets | 0.8551% | 2,332 |
| Return on assets (ROA) | 0.8850% | 2,297 |
| Pretax return on assets | 1.2128% | 1,920 |
| Return on Equity (ROE) | 10.8393% | 1,469 |
| Retained earnings to average equity (ytd only) | 7.2834% | 881 |
| Net charge-offs to loans | 0.4426% | 4,024 |
| Credit loss provision to net charge-offs | 47.0476% | 6,781 |
| Earnings coverage of net charge-offs (x) | 4.7676% | 2,827 |
| Efficiency ratio | 64.4616% | 5,687 |
| Assets per employee ($millions) | 4.0310% | 3,758 |
| Cash dividends to net income (ytd only)* | 32.8052% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9142% | 6,750 |
| Loan loss allowance to noncurrent loans | 120.3742% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 6,027 |
| Noncurrent loans to loans | 0.7595% | 5,748 |
| Net loans and leases to total assets | 64.8683% | 4,397 |
| Net loans and leases to deposits | 74.9355% | 4,883 |
| Net loans and leases to core deposits | 93.8912% | 4,686 |
| Total domestic deposits to total assets | 86.5654% | 2,725 |
| Equity capital to assets | 8.4957% | 5,886 |
| Core capital (leverage) ratio | 8.0308% | 6,116 |
| Tier 1 risk-based capital ratio | 13.1046% | 4,078 |
| Total risk-based capital ratio | 14.0889% | 4,211 |
| Memoranda: | ||
| Average total assets | $192,534,200 | 3,262 |
| Average earning assets | $177,951,600 | 3,237 |
| Average equity | $15,720,600 | 3,915 |
| Average total loans | $118,624,000 | 3,507 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2654% | 5,593 |
| Cost of funding earning assets | 2.0393% | 3,165 |
| Net interest margin | 3.2260% | 5,930 |
| Noninterest income to average assets | 0.6525% | 3,332 |
| Noninterest expense to average assets | 2.3796% | 6,476 |
| Loan and lease loss provision to assets | 0.0957% | 6,409 |
| Net operating income to assets | 0.8129% | 2,754 |
| Return on assets (ROA) | 0.8383% | 2,727 |
| Pretax return on assets | 1.2071% | 2,247 |
| Return on Equity (ROE) | 10.3721% | 1,797 |
| Retained earnings to average equity (ytd only) | 6.0054% | 1,947 |
| Net charge-offs to loans | 0.5419% | 3,058 |
| Credit loss provision to net charge-offs | 29.1139% | 6,517 |
| Earnings coverage of net charge-offs (x) | 3.8524% | 3,362 |
| Efficiency ratio | 64.9486% | 5,560 |
| Assets per employee ($millions) | 3.9087% | 3,913 |
| Cash dividends to net income (ytd only)* | 42.1009% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 6,885 |
| Loan loss allowance to noncurrent loans | 137.9355% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 6,208 |
| Noncurrent loans to loans | 0.6308% | 6,036 |
| Net loans and leases to total assets | 64.9172% | 4,672 |
| Net loans and leases to deposits | 75.3498% | 5,146 |
| Net loans and leases to core deposits | 95.8579% | 4,829 |
| Total domestic deposits to total assets | 86.1544% | 2,612 |
| Equity capital to assets | 8.6084% | 6,104 |
| Core capital (leverage) ratio | 8.0532% | 6,265 |
| Tier 1 risk-based capital ratio | 13.1846% | 4,063 |
| Total risk-based capital ratio | 14.1263% | 4,218 |
| Memoranda: | ||
| Average total assets | $192,296,250 | 3,287 |
| Average earning assets | $178,418,750 | 3,259 |
| Average equity | $15,541,250 | 3,995 |
| Average total loans | $116,612,750 | 3,578 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2664% | 5,806 |
| Cost of funding earning assets | 2.0963% | 3,289 |
| Net interest margin | 3.1701% | 6,017 |
| Noninterest income to average assets | 0.6211% | 3,534 |
| Noninterest expense to average assets | 2.3719% | 6,549 |
| Loan and lease loss provision to assets | 0.0815% | 6,369 |
| Net operating income to assets | 0.7676% | 2,978 |
| Return on assets (ROA) | 0.7676% | 3,083 |
| Pretax return on assets | 1.1008% | 2,634 |
| Return on Equity (ROE) | 9.7014% | 2,130 |
| Retained earnings to average equity (ytd only) | 3.0643% | 3,608 |
| Net charge-offs to loans | 0.0419% | 5,880 |
| Credit loss provision to net charge-offs | 329.1667% | 1,413 |
| Earnings coverage of net charge-offs (x) | 47.7500% | 706 |
| Efficiency ratio | 66.3861% | 5,481 |
| Assets per employee ($millions) | 4.1136% | 3,458 |
| Cash dividends to net income (ytd only)* | 68.4140% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 4,646 |
| Loan loss allowance to noncurrent loans | 133.4249% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 5,936 |
| Noncurrent loans to loans | 0.9328% | 5,353 |
| Net loans and leases to total assets | 58.5511% | 5,895 |
| Net loans and leases to deposits | 66.3901% | 6,354 |
| Net loans and leases to core deposits | 82.5398% | 6,197 |
| Total domestic deposits to total assets | 88.1926% | 1,676 |
| Equity capital to assets | 7.8641% | 6,898 |
| Core capital (leverage) ratio | 7.3912% | 7,142 |
| Tier 1 risk-based capital ratio | 12.8334% | 4,259 |
| Total risk-based capital ratio | 14.0841% | 4,178 |
| Memoranda: | ||
| Average total assets | $193,855,330 | 3,293 |
| Average earning assets | $179,364,670 | 3,267 |
| Average equity | $15,338,000 | 4,057 |
| Average total loans | $114,528,330 | 3,659 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3094% | 5,856 |
| Cost of funding earning assets | 2.1211% | 3,554 |
| Net interest margin | 3.1884% | 5,892 |
| Noninterest income to average assets | 0.5665% | 3,783 |
| Noninterest expense to average assets | 2.2618% | 6,654 |
| Loan and lease loss provision to assets | 0.0312% | 6,541 |
| Net operating income to assets | 0.8518% | 2,901 |
| Return on assets (ROA) | 0.8518% | 3,058 |
| Pretax return on assets | 1.2163% | 2,565 |
| Return on Equity (ROE) | 10.7328% | 2,052 |
| Retained earnings to average equity (ytd only) | -2.6242% | 6,212 |
| Net charge-offs to loans | 0.0494% | 4,788 |
| Credit loss provision to net charge-offs | 107.1429% | 3,567 |
| Earnings coverage of net charge-offs (x) | 42.7857% | 808 |
| Efficiency ratio | 64.0356% | 5,682 |
| Assets per employee ($millions) | 4.1530% | 3,356 |
| Cash dividends to net income (ytd only)* | 124.4499% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 4,524 |
| Loan loss allowance to noncurrent loans | 155.7414% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 6,108 |
| Noncurrent loans to loans | 0.7962% | 5,444 |
| Net loans and leases to total assets | 57.0005% | 6,098 |
| Net loans and leases to deposits | 64.8605% | 6,475 |
| Net loans and leases to core deposits | 84.6265% | 6,012 |
| Total domestic deposits to total assets | 87.8817% | 1,804 |
| Equity capital to assets | 7.7938% | 7,083 |
| Core capital (leverage) ratio | 7.3484% | 7,324 |
| Tier 1 risk-based capital ratio | 13.1746% | 4,071 |
| Total risk-based capital ratio | 14.4249% | 3,989 |
| Memoranda: | ||
| Average total assets | $192,056,500 | 3,331 |
| Average earning assets | $177,269,500 | 3,313 |
| Average equity | $15,243,000 | 4,096 |
| Average total loans | $113,258,500 | 3,716 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1198% | 4,938 |
| Cost of funding earning assets | 2.5841% | 3,768 |
| Net interest margin | 3.5357% | 5,167 |
| Noninterest income to average assets | 0.7420% | 2,833 |
| Noninterest expense to average assets | 2.3705% | 6,499 |
| Loan and lease loss provision to assets | 0.1301% | 5,705 |
| Net operating income to assets | 1.1156% | 2,084 |
| Return on assets (ROA) | 1.1177% | 1,994 |
| Pretax return on assets | 1.5280% | 1,603 |
| Return on Equity (ROE) | 14.1735% | 1,072 |
| Retained earnings to average equity (ytd only) | 8.6513% | 669 |
| Net charge-offs to loans | 0.0271% | 6,449 |
| Credit loss provision to net charge-offs | 803.4483% | 542 |
| Earnings coverage of net charge-offs (x) | 102.2414% | 421 |
| Efficiency ratio | 58.7713% | 6,565 |
| Assets per employee ($millions) | 4.0196% | 3,472 |
| Cash dividends to net income (ytd only)* | 38.9610% | 3,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 4,334 |
| Loan loss allowance to noncurrent loans | 297.4468% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 6,584 |
| Noncurrent loans to loans | 0.4128% | 6,106 |
| Net loans and leases to total assets | 59.5284% | 5,977 |
| Net loans and leases to deposits | 67.9502% | 6,466 |
| Net loans and leases to core deposits | 89.2491% | 5,871 |
| Total domestic deposits to total assets | 87.6059% | 1,670 |
| Equity capital to assets | 8.0844% | 6,728 |
| Core capital (leverage) ratio | 7.6413% | 7,021 |
| Tier 1 risk-based capital ratio | 13.3972% | 3,874 |
| Total risk-based capital ratio | 14.6484% | 3,778 |
| Memoranda: | ||
| Average total assets | $179,120,600 | 3,418 |
| Average earning assets | $166,360,600 | 3,380 |
| Average equity | $14,125,000 | 4,315 |
| Average total loans | $107,052,800 | 3,766 |