Home > First State Bank of Middlebury > Performance and Condition Ratios
First State Bank of Middlebury, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2066% | 1,643 |
| Cost of funding earning assets | 1.3288% | 2,431 |
| Net interest margin | 3.8778% | 1,421 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.5801% | 2,071 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.2359% | 1,569 |
| Return on assets (ROA) | 1.2394% | 1,538 |
| Pretax return on assets | 1.5040% | 1,410 |
| Return on Equity (ROE) | 13.8500% | 1,514 |
| Retained earnings to average equity (ytd only) | 7.1716% | 1,844 |
| Net charge-offs to loans | 0.0379% | 1,551 |
| Credit loss provision to net charge-offs | 268.4211% | 1,018 |
| Earnings coverage of net charge-offs (x) | 57.4115% | 1,214 |
| Efficiency ratio | 61.8158% | 2,852 |
| Assets per employee ($millions) | 7.3724% | 1,826 |
| Cash dividends to net income (ytd only)* | 48.2263% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 1,834 |
| Loan loss allowance to noncurrent loans | 530.9155% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 2,323 |
| Noncurrent loans to loans | 0.2425% | 2,335 |
| Net loans and leases to total assets | 73.9800% | 1,366 |
| Net loans and leases to deposits | 95.2258% | 848 |
| Net loans and leases to core deposits | 104.1491% | 1,212 |
| Total domestic deposits to total assets | 77.6900% | 3,768 |
| Equity capital to assets | 9.3084% | 2,484 |
| Core capital (leverage) ratio | 11.6071% | 1,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3909% | 1,199 |
| Memoranda: | ||
| Average total assets | $752,872,600 | 1,236 |
| Average earning assets | $700,654,200 | 1,230 |
| Average equity | $67,363,400 | 1,286 |
| Average total loans | $551,352,400 | 1,150 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1206% | 1,590 |
| Cost of funding earning assets | 1.1694% | 2,529 |
| Net interest margin | 3.9512% | 1,299 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.6140% | 1,903 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.2804% | 1,587 |
| Return on assets (ROA) | 1.2857% | 1,565 |
| Pretax return on assets | 1.5237% | 1,512 |
| Return on Equity (ROE) | 14.5200% | 1,544 |
| Retained earnings to average equity (ytd only) | 7.4543% | 2,158 |
| Net charge-offs to loans | -0.0184% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.8077% | 2,747 |
| Assets per employee ($millions) | 7.7580% | 1,475 |
| Cash dividends to net income (ytd only)* | 48.6720% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3912% | 1,477 |
| Loan loss allowance to noncurrent loans | 395.9939% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 1,953 |
| Noncurrent loans to loans | 0.3513% | 1,965 |
| Net loans and leases to total assets | 73.5500% | 1,398 |
| Net loans and leases to deposits | 90.2496% | 1,219 |
| Net loans and leases to core deposits | 98.8517% | 1,391 |
| Total domestic deposits to total assets | 81.5000% | 3,309 |
| Equity capital to assets | 8.3205% | 2,840 |
| Core capital (leverage) ratio | 11.6879% | 1,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6297% | 1,172 |
| Memoranda: | ||
| Average total assets | $745,722,000 | 1,244 |
| Average earning assets | $692,636,250 | 1,238 |
| Average equity | $66,018,500 | 1,293 |
| Average total loans | $542,778,250 | 1,159 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9879% | 1,585 |
| Cost of funding earning assets | 0.9898% | 2,638 |
| Net interest margin | 3.9982% | 1,248 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.6493% | 1,792 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.2946% | 1,586 |
| Return on assets (ROA) | 1.3026% | 1,547 |
| Pretax return on assets | 1.5412% | 1,517 |
| Return on Equity (ROE) | 14.4200% | 1,595 |
| Retained earnings to average equity (ytd only) | 9.8044% | 1,466 |
| Net charge-offs to loans | -0.0060% | 3,754 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.2189% | 2,688 |
| Assets per employee ($millions) | 7.3435% | 1,704 |
| Cash dividends to net income (ytd only)* | 32.0116% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 1,687 |
| Loan loss allowance to noncurrent loans | 502.3474% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 2,158 |
| Noncurrent loans to loans | 0.2699% | 2,187 |
| Net loans and leases to total assets | 72.0300% | 1,530 |
| Net loans and leases to deposits | 88.8446% | 1,279 |
| Net loans and leases to core deposits | 96.9658% | 1,417 |
| Total domestic deposits to total assets | 81.0800% | 3,421 |
| Equity capital to assets | 9.0503% | 2,485 |
| Core capital (leverage) ratio | 11.8292% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7234% | 1,168 |
| Memoranda: | ||
| Average total assets | $743,455,000 | 1,244 |
| Average earning assets | $690,665,000 | 1,239 |
| Average equity | $67,153,333 | 1,275 |
| Average total loans | $536,598,667 | 1,160 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8507% | 1,506 |
| Cost of funding earning assets | 0.8030% | 2,724 |
| Net interest margin | 4.0477% | 1,183 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.6086% | 1,925 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.3290% | 1,593 |
| Return on assets (ROA) | 1.3445% | 1,528 |
| Pretax return on assets | 1.5914% | 1,485 |
| Return on Equity (ROE) | 14.9100% | 1,568 |
| Retained earnings to average equity (ytd only) | 9.7935% | 1,747 |
| Net charge-offs to loans | 0.0166% | 1,354 |
| Credit loss provision to net charge-offs | 954.5455% | 373 |
| Earnings coverage of net charge-offs (x) | 141.2727% | 629 |
| Efficiency ratio | 60.7278% | 2,856 |
| Assets per employee ($millions) | 7.0485% | 1,946 |
| Cash dividends to net income (ytd only)* | 34.3157% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 1,697 |
| Loan loss allowance to noncurrent loans | 485.5826% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 2,113 |
| Noncurrent loans to loans | 0.2843% | 2,129 |
| Net loans and leases to total assets | 71.2000% | 1,502 |
| Net loans and leases to deposits | 86.1056% | 1,344 |
| Net loans and leases to core deposits | 92.5034% | 1,477 |
| Total domestic deposits to total assets | 82.6900% | 3,355 |
| Equity capital to assets | 9.2229% | 2,343 |
| Core capital (leverage) ratio | 11.7930% | 1,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8426% | 1,182 |
| Memoranda: | ||
| Average total assets | $736,941,000 | 1,266 |
| Average earning assets | $685,922,500 | 1,262 |
| Average equity | $66,452,500 | 1,294 |
| Average total loans | $528,734,000 | 1,180 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1709% | 1,308 |
| Cost of funding earning assets | 0.4001% | 2,102 |
| Net interest margin | 3.7708% | 1,222 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.6241% | 1,761 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.3382% | 1,317 |
| Return on assets (ROA) | 1.3630% | 1,189 |
| Pretax return on assets | 1.6091% | 1,151 |
| Return on Equity (ROE) | 14.5600% | 1,379 |
| Retained earnings to average equity (ytd only) | 6.3844% | 2,500 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.9531% | 2,770 |
| Assets per employee ($millions) | 7.1242% | 1,880 |
| Cash dividends to net income (ytd only)* | 56.1632% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 1,979 |
| Loan loss allowance to noncurrent loans | 382.2323% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 1,954 |
| Noncurrent loans to loans | 0.3357% | 1,948 |
| Net loans and leases to total assets | 70.3700% | 1,603 |
| Net loans and leases to deposits | 82.4591% | 1,586 |
| Net loans and leases to core deposits | 88.0163% | 1,606 |
| Total domestic deposits to total assets | 85.3500% | 2,897 |
| Equity capital to assets | 8.8100% | 2,484 |
| Core capital (leverage) ratio | 11.4006% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5762% | 1,215 |
| Memoranda: | ||
| Average total assets | $744,634,600 | 1,252 |
| Average earning assets | $696,833,000 | 1,240 |
| Average equity | $69,685,400 | 1,257 |
| Average total loans | $496,362,200 | 1,184 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9833% | 1,296 |
| Cost of funding earning assets | 0.3257% | 1,905 |
| Net interest margin | 3.6576% | 1,250 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.5708% | 1,791 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.3343% | 1,257 |
| Return on assets (ROA) | 1.3664% | 1,152 |
| Pretax return on assets | 1.5958% | 1,128 |
| Return on Equity (ROE) | 14.3900% | 1,329 |
| Retained earnings to average equity (ytd only) | 6.2187% | 2,666 |
| Net charge-offs to loans | 0.0090% | 1,795 |
| Credit loss provision to net charge-offs | 506.0606% | 602 |
| Earnings coverage of net charge-offs (x) | 269.7879% | 512 |
| Efficiency ratio | 61.8110% | 2,854 |
| Assets per employee ($millions) | 6.9211% | 2,002 |
| Cash dividends to net income (ytd only)* | 56.7959% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 2,127 |
| Loan loss allowance to noncurrent loans | 598.1900% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 2,560 |
| Noncurrent loans to loans | 0.2140% | 2,539 |
| Net loans and leases to total assets | 69.4900% | 1,530 |
| Net loans and leases to deposits | 80.2284% | 1,562 |
| Net loans and leases to core deposits | 84.8233% | 1,599 |
| Total domestic deposits to total assets | 86.6100% | 2,882 |
| Equity capital to assets | 7.9116% | 2,952 |
| Core capital (leverage) ratio | 11.3734% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4790% | 1,290 |
| Memoranda: | ||
| Average total assets | $747,345,250 | 1,258 |
| Average earning assets | $700,368,750 | 1,244 |
| Average equity | $70,945,000 | 1,247 |
| Average total loans | $489,673,500 | 1,193 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7943% | 1,328 |
| Cost of funding earning assets | 0.2985% | 1,726 |
| Net interest margin | 3.4957% | 1,323 |
| Noninterest income to average assets | 0.7671% | 1,133 |
| Noninterest expense to average assets | 2.5261% | 1,848 |
| Loan and lease loss provision to assets | 0.0261% | 2,130 |
| Net operating income to assets | 1.2913% | 1,159 |
| Return on assets (ROA) | 1.3302% | 1,049 |
| Pretax return on assets | 1.5459% | 1,053 |
| Return on Equity (ROE) | 13.2924% | 1,294 |
| Retained earnings to average equity (ytd only) | 3.9896% | 3,084 |
| Net charge-offs to loans | 0.0237% | 1,247 |
| Credit loss provision to net charge-offs | 171.9298% | 1,039 |
| Earnings coverage of net charge-offs (x) | 100.7018% | 809 |
| Efficiency ratio | 62.3285% | 3,007 |
| Assets per employee ($millions) | 6.7975% | 2,074 |
| Cash dividends to net income (ytd only)* | 69.9860% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 2,181 |
| Loan loss allowance to noncurrent loans | 277.5554% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 1,724 |
| Noncurrent loans to loans | 0.4693% | 1,707 |
| Net loans and leases to total assets | 67.2665% | 1,555 |
| Net loans and leases to deposits | 77.2272% | 1,593 |
| Net loans and leases to core deposits | 81.2271% | 1,644 |
| Total domestic deposits to total assets | 87.1021% | 2,904 |
| Equity capital to assets | 8.5632% | 2,714 |
| Core capital (leverage) ratio | 11.0638% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4966% | 1,302 |
| Memoranda: | ||
| Average total assets | $751,915,000 | 1,253 |
| Average earning assets | $706,749,333 | 1,241 |
| Average equity | $75,246,000 | 1,225 |
| Average total loans | $480,764,667 | 1,207 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 1,526 |
| Cost of funding earning assets | 0.2982% | 1,676 |
| Net interest margin | 3.2931% | 1,582 |
| Noninterest income to average assets | 0.6488% | 1,499 |
| Noninterest expense to average assets | 2.4621% | 1,982 |
| Loan and lease loss provision to assets | 0.0189% | 2,017 |
| Net operating income to assets | 1.1190% | 1,477 |
| Return on assets (ROA) | 1.1309% | 1,433 |
| Pretax return on assets | 1.2939% | 1,527 |
| Return on Equity (ROE) | 10.5653% | 1,772 |
| Retained earnings to average equity (ytd only) | 7.3726% | 1,774 |
| Net charge-offs to loans | 0.0085% | 1,434 |
| Credit loss provision to net charge-offs | 360.0000% | 614 |
| Earnings coverage of net charge-offs (x) | 247.1000% | 370 |
| Efficiency ratio | 65.4599% | 2,840 |
| Assets per employee ($millions) | 7.4756% | 1,703 |
| Cash dividends to net income (ytd only)* | 30.2185% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 2,015 |
| Loan loss allowance to noncurrent loans | 200.6171% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 1,430 |
| Noncurrent loans to loans | 0.6846% | 1,386 |
| Net loans and leases to total assets | 61.2330% | 1,939 |
| Net loans and leases to deposits | 73.6652% | 1,640 |
| Net loans and leases to core deposits | 77.6812% | 1,640 |
| Total domestic deposits to total assets | 83.1233% | 3,927 |
| Equity capital to assets | 9.8035% | 2,046 |
| Core capital (leverage) ratio | 11.2722% | 1,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9428% | 1,275 |
| Memoranda: | ||
| Average total assets | $760,809,500 | 1,241 |
| Average earning assets | $719,083,000 | 1,229 |
| Average equity | $81,436,500 | 1,178 |
| Average total loans | $470,978,000 | 1,215 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 1,490 |
| Cost of funding earning assets | 0.3616% | 1,842 |
| Net interest margin | 3.5886% | 1,499 |
| Noninterest income to average assets | 0.9972% | 1,010 |
| Noninterest expense to average assets | 2.6919% | 1,655 |
| Loan and lease loss provision to assets | 0.0324% | 2,401 |
| Net operating income to assets | 1.4253% | 1,194 |
| Return on assets (ROA) | 1.5001% | 1,064 |
| Pretax return on assets | 1.7447% | 1,034 |
| Return on Equity (ROE) | 12.7797% | 1,534 |
| Retained earnings to average equity (ytd only) | 9.6111% | 1,014 |
| Net charge-offs to loans | -0.0163% | 3,908 |
| Credit loss provision to net charge-offs | -310.6667% | 3,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4311% | 2,946 |
| Assets per employee ($millions) | 6.6009% | 2,238 |
| Cash dividends to net income (ytd only)* | 24.7938% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 1,989 |
| Loan loss allowance to noncurrent loans | 189.0543% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 1,464 |
| Noncurrent loans to loans | 0.7312% | 1,390 |
| Net loans and leases to total assets | 60.8700% | 2,073 |
| Net loans and leases to deposits | 75.0075% | 1,640 |
| Net loans and leases to core deposits | 79.7483% | 1,615 |
| Total domestic deposits to total assets | 81.1518% | 4,088 |
| Equity capital to assets | 11.6084% | 1,454 |
| Core capital (leverage) ratio | 11.2797% | 1,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0614% | 1,252 |
| Memoranda: | ||
| Average total assets | $719,205,600 | 1,262 |
| Average earning assets | $678,333,600 | 1,249 |
| Average equity | $84,423,000 | 1,155 |
| Average total loans | $460,591,600 | 1,238 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 1,524 |
| Cost of funding earning assets | 0.3756% | 1,895 |
| Net interest margin | 3.6289% | 1,529 |
| Noninterest income to average assets | 0.9016% | 1,252 |
| Noninterest expense to average assets | 2.6874% | 1,623 |
| Loan and lease loss provision to assets | 0.0427% | 2,139 |
| Net operating income to assets | 1.3478% | 1,699 |
| Return on assets (ROA) | 1.4344% | 1,501 |
| Pretax return on assets | 1.6919% | 1,426 |
| Return on Equity (ROE) | 12.1835% | 1,990 |
| Retained earnings to average equity (ytd only) | 9.4290% | 1,523 |
| Net charge-offs to loans | -0.0279% | 4,101 |
| Credit loss provision to net charge-offs | -236.4583% | 3,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2063% | 2,656 |
| Assets per employee ($millions) | 6.3207% | 2,400 |
| Cash dividends to net income (ytd only)* | 22.6081% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4226% | 1,930 |
| Loan loss allowance to noncurrent loans | 196.7273% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 1,681 |
| Noncurrent loans to loans | 0.7232% | 1,543 |
| Net loans and leases to total assets | 61.3527% | 2,099 |
| Net loans and leases to deposits | 75.6556% | 1,701 |
| Net loans and leases to core deposits | 80.7322% | 1,676 |
| Total domestic deposits to total assets | 81.0947% | 4,077 |
| Equity capital to assets | 11.7483% | 1,516 |
| Core capital (leverage) ratio | 11.3641% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5852% | 1,223 |
| Memoranda: | ||
| Average total assets | $709,230,000 | 1,296 |
| Average earning assets | $668,108,750 | 1,281 |
| Average equity | $83,498,750 | 1,182 |
| Average total loans | $458,603,000 | 1,262 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9824% | 1,611 |
| Cost of funding earning assets | 0.3947% | 1,933 |
| Net interest margin | 3.5877% | 1,618 |
| Noninterest income to average assets | 0.9526% | 1,155 |
| Noninterest expense to average assets | 2.6661% | 1,675 |
| Loan and lease loss provision to assets | 0.0633% | 1,775 |
| Net operating income to assets | 1.3535% | 1,698 |
| Return on assets (ROA) | 1.4306% | 1,544 |
| Pretax return on assets | 1.6890% | 1,508 |
| Return on Equity (ROE) | 12.1425% | 2,004 |
| Retained earnings to average equity (ytd only) | 9.3587% | 1,599 |
| Net charge-offs to loans | -0.0270% | 4,116 |
| Credit loss provision to net charge-offs | -358.0645% | 3,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6054% | 2,783 |
| Assets per employee ($millions) | 6.3880% | 2,243 |
| Cash dividends to net income (ytd only)* | 22.9266% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 1,960 |
| Loan loss allowance to noncurrent loans | 202.6060% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 1,839 |
| Noncurrent loans to loans | 0.6936% | 1,690 |
| Net loans and leases to total assets | 63.8506% | 1,966 |
| Net loans and leases to deposits | 79.1007% | 1,509 |
| Net loans and leases to core deposits | 84.8847% | 1,501 |
| Total domestic deposits to total assets | 80.7206% | 4,124 |
| Equity capital to assets | 11.9544% | 1,385 |
| Core capital (leverage) ratio | 11.3252% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9231% | 1,140 |
| Memoranda: | ||
| Average total assets | $701,239,000 | 1,302 |
| Average earning assets | $659,699,667 | 1,291 |
| Average equity | $82,618,667 | 1,189 |
| Average total loans | $459,360,000 | 1,267 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1023% | 1,376 |
| Cost of funding earning assets | 0.4077% | 2,034 |
| Net interest margin | 3.6946% | 1,341 |
| Noninterest income to average assets | 0.8386% | 1,493 |
| Noninterest expense to average assets | 2.6432% | 1,761 |
| Loan and lease loss provision to assets | 0.0878% | 1,502 |
| Net operating income to assets | 1.3292% | 1,734 |
| Return on assets (ROA) | 1.4231% | 1,587 |
| Pretax return on assets | 1.6916% | 1,510 |
| Return on Equity (ROE) | 12.1698% | 1,960 |
| Retained earnings to average equity (ytd only) | 9.3493% | 1,844 |
| Net charge-offs to loans | -0.0270% | 4,125 |
| Credit loss provision to net charge-offs | -493.5484% | 3,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3174% | 2,862 |
| Assets per employee ($millions) | 6.5476% | 2,138 |
| Cash dividends to net income (ytd only)* | 23.1761% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 1,912 |
| Loan loss allowance to noncurrent loans | 227.3801% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3915% | 2,235 |
| Noncurrent loans to loans | 0.6202% | 2,015 |
| Net loans and leases to total assets | 62.2369% | 2,262 |
| Net loans and leases to deposits | 78.5418% | 1,663 |
| Net loans and leases to core deposits | 84.2859% | 1,654 |
| Total domestic deposits to total assets | 79.2405% | 4,307 |
| Equity capital to assets | 11.4336% | 1,586 |
| Core capital (leverage) ratio | 11.3621% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2890% | 1,027 |
| Memoranda: | ||
| Average total assets | $697,327,000 | 1,287 |
| Average earning assets | $655,343,500 | 1,284 |
| Average equity | $81,546,000 | 1,190 |
| Average total loans | $459,443,000 | 1,265 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 954 |
| Cost of funding earning assets | 0.5576% | 2,568 |
| Net interest margin | 4.1095% | 766 |
| Noninterest income to average assets | 0.9572% | 1,123 |
| Noninterest expense to average assets | 2.7853% | 1,983 |
| Loan and lease loss provision to assets | 0.1999% | 1,958 |
| Net operating income to assets | 1.5313% | 744 |
| Return on assets (ROA) | 1.6318% | 644 |
| Pretax return on assets | 1.9583% | 498 |
| Return on Equity (ROE) | 13.9513% | 825 |
| Retained earnings to average equity (ytd only) | 10.8965% | 446 |
| Net charge-offs to loans | 0.1527% | 1,067 |
| Credit loss provision to net charge-offs | 175.3406% | 2,291 |
| Earnings coverage of net charge-offs (x) | 17.8665% | 2,051 |
| Efficiency ratio | 57.7567% | 3,758 |
| Assets per employee ($millions) | 6.0800% | 2,271 |
| Cash dividends to net income (ytd only)* | 21.8964% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 2,331 |
| Loan loss allowance to noncurrent loans | 210.5461% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 2,082 |
| Noncurrent loans to loans | 0.6256% | 2,129 |
| Net loans and leases to total assets | 67.8722% | 1,842 |
| Net loans and leases to deposits | 87.2574% | 1,156 |
| Net loans and leases to core deposits | 93.6277% | 1,267 |
| Total domestic deposits to total assets | 77.7839% | 4,340 |
| Equity capital to assets | 11.9670% | 1,585 |
| Core capital (leverage) ratio | 11.3121% | 1,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9317% | 1,064 |
| Memoranda: | ||
| Average total assets | $643,725,800 | 1,261 |
| Average earning assets | $605,471,400 | 1,253 |
| Average equity | $75,290,400 | 1,214 |
| Average total loans | $480,711,200 | 1,176 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 998 |
| Cost of funding earning assets | 0.6007% | 2,613 |
| Net interest margin | 4.1314% | 842 |
| Noninterest income to average assets | 0.9201% | 1,172 |
| Noninterest expense to average assets | 2.8185% | 1,924 |
| Loan and lease loss provision to assets | 0.2063% | 1,943 |
| Net operating income to assets | 1.4778% | 948 |
| Return on assets (ROA) | 1.5861% | 826 |
| Pretax return on assets | 1.9093% | 621 |
| Return on Equity (ROE) | 13.6458% | 950 |
| Retained earnings to average equity (ytd only) | 11.2048% | 536 |
| Net charge-offs to loans | 0.1866% | 799 |
| Credit loss provision to net charge-offs | 145.0517% | 2,354 |
| Earnings coverage of net charge-offs (x) | 13.9527% | 2,173 |
| Efficiency ratio | 58.6735% | 3,573 |
| Assets per employee ($millions) | 6.2131% | 2,073 |
| Cash dividends to net income (ytd only)* | 17.8879% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 2,772 |
| Loan loss allowance to noncurrent loans | 158.3155% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.6319% | 1,842 |
| Noncurrent loans to loans | 0.7458% | 1,940 |
| Net loans and leases to total assets | 73.8511% | 1,387 |
| Net loans and leases to deposits | 97.2964% | 670 |
| Net loans and leases to core deposits | 105.0047% | 882 |
| Total domestic deposits to total assets | 75.9032% | 4,437 |
| Equity capital to assets | 11.7582% | 1,836 |
| Core capital (leverage) ratio | 11.2104% | 1,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4568% | 1,143 |
| Memoranda: | ||
| Average total assets | $634,416,750 | 1,262 |
| Average earning assets | $596,366,500 | 1,247 |
| Average equity | $73,740,250 | 1,222 |
| Average total loans | $483,800,750 | 1,165 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6894% | 1,431 |
| Cost of funding earning assets | 0.6568% | 2,649 |
| Net interest margin | 4.0326% | 1,255 |
| Noninterest income to average assets | 0.8515% | 1,283 |
| Noninterest expense to average assets | 2.8935% | 1,842 |
| Loan and lease loss provision to assets | 0.1704% | 2,302 |
| Net operating income to assets | 1.3189% | 1,308 |
| Return on assets (ROA) | 1.4747% | 1,056 |
| Pretax return on assets | 1.7621% | 875 |
| Return on Equity (ROE) | 12.7408% | 1,165 |
| Retained earnings to average equity (ytd only) | 10.2416% | 743 |
| Net charge-offs to loans | 0.0050% | 2,788 |
| Credit loss provision to net charge-offs | 4,416.6667% | 264 |
| Earnings coverage of net charge-offs (x) | 452.9167% | 222 |
| Efficiency ratio | 62.3537% | 3,065 |
| Assets per employee ($millions) | 6.0231% | 2,166 |
| Cash dividends to net income (ytd only)* | 19.6164% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 2,572 |
| Loan loss allowance to noncurrent loans | 74.2615% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.3324% | 766 |
| Noncurrent loans to loans | 1.6026% | 921 |
| Net loans and leases to total assets | 75.4964% | 1,207 |
| Net loans and leases to deposits | 98.5813% | 625 |
| Net loans and leases to core deposits | 105.9049% | 897 |
| Total domestic deposits to total assets | 76.5829% | 4,368 |
| Equity capital to assets | 11.2914% | 2,128 |
| Core capital (leverage) ratio | 10.9298% | 2,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3714% | 1,670 |
| Memoranda: | ||
| Average total assets | $622,216,000 | 1,263 |
| Average earning assets | $584,636,667 | 1,247 |
| Average equity | $72,020,333 | 1,236 |
| Average total loans | $477,909,000 | 1,160 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 1,249 |
| Cost of funding earning assets | 0.7371% | 2,744 |
| Net interest margin | 4.1413% | 1,052 |
| Noninterest income to average assets | 0.7537% | 1,457 |
| Noninterest expense to average assets | 3.1186% | 1,590 |
| Loan and lease loss provision to assets | 0.0544% | 3,087 |
| Net operating income to assets | 1.2374% | 1,413 |
| Return on assets (ROA) | 1.4167% | 1,019 |
| Pretax return on assets | 1.6851% | 877 |
| Return on Equity (ROE) | 12.0723% | 1,085 |
| Retained earnings to average equity (ytd only) | 9.4988% | 844 |
| Net charge-offs to loans | -0.0061% | 3,916 |
| Credit loss provision to net charge-offs | -1,157.1429% | 3,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1435% | 2,799 |
| Assets per employee ($millions) | 5.3941% | 2,233 |
| Cash dividends to net income (ytd only)* | 21.3169% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,513 |
| Loan loss allowance to noncurrent loans | 68.7560% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.5071% | 704 |
| Noncurrent loans to loans | 1.7885% | 842 |
| Net loans and leases to total assets | 76.5192% | 1,212 |
| Net loans and leases to deposits | 97.5930% | 772 |
| Net loans and leases to core deposits | 108.2663% | 938 |
| Total domestic deposits to total assets | 78.4065% | 4,153 |
| Equity capital to assets | 11.5491% | 2,398 |
| Core capital (leverage) ratio | 11.5932% | 1,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5716% | 1,451 |
| Memoranda: | ||
| Average total assets | $596,032,500 | 1,269 |
| Average earning assets | $560,013,000 | 1,253 |
| Average equity | $69,945,500 | 1,257 |
| Average total loans | $459,153,500 | 1,164 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0169% | 1,433 |
| Cost of funding earning assets | 0.7695% | 2,828 |
| Net interest margin | 4.2474% | 1,215 |
| Noninterest income to average assets | 0.7152% | 1,759 |
| Noninterest expense to average assets | 3.0487% | 1,884 |
| Loan and lease loss provision to assets | 0.0048% | 3,910 |
| Net operating income to assets | 1.3820% | 1,405 |
| Return on assets (ROA) | 1.4507% | 1,249 |
| Pretax return on assets | 1.7205% | 1,135 |
| Return on Equity (ROE) | 12.7449% | 1,261 |
| Retained earnings to average equity (ytd only) | 10.3259% | 433 |
| Net charge-offs to loans | 0.0225% | 2,962 |
| Credit loss provision to net charge-offs | 28.2828% | 3,283 |
| Earnings coverage of net charge-offs (x) | 96.4747% | 698 |
| Efficiency ratio | 64.9723% | 2,940 |
| Assets per employee ($millions) | 4.9858% | 2,621 |
| Cash dividends to net income (ytd only)* | 18.9798% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 2,254 |
| Loan loss allowance to noncurrent loans | 73.5464% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.4097% | 743 |
| Noncurrent loans to loans | 1.6803% | 822 |
| Net loans and leases to total assets | 75.6475% | 1,476 |
| Net loans and leases to deposits | 93.4792% | 1,208 |
| Net loans and leases to core deposits | 104.7709% | 1,181 |
| Total domestic deposits to total assets | 80.9245% | 3,783 |
| Equity capital to assets | 11.9230% | 2,184 |
| Core capital (leverage) ratio | 11.5211% | 2,095 |
| Tier 1 risk-based capital ratio | 15.1951% | 2,700 |
| Total risk-based capital ratio | 16.4450% | 2,634 |
| Memoranda: | ||
| Average total assets | $581,108,600 | 1,252 |
| Average earning assets | $544,121,200 | 1,248 |
| Average equity | $66,144,200 | 1,278 |
| Average total loans | $440,909,800 | 1,178 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0277% | 1,469 |
| Cost of funding earning assets | 0.7669% | 2,885 |
| Net interest margin | 4.2608% | 1,249 |
| Noninterest income to average assets | 0.7372% | 1,632 |
| Noninterest expense to average assets | 3.0356% | 1,869 |
| Loan and lease loss provision to assets | 0.0173% | 3,569 |
| Net operating income to assets | 1.4054% | 1,454 |
| Return on assets (ROA) | 1.4976% | 1,252 |
| Pretax return on assets | 1.7806% | 1,138 |
| Return on Equity (ROE) | 13.3197% | 1,169 |
| Retained earnings to average equity (ytd only) | 10.8580% | 557 |
| Net charge-offs to loans | -0.0122% | 4,438 |
| Credit loss provision to net charge-offs | -187.5000% | 4,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2627% | 2,961 |
| Assets per employee ($millions) | 5.5532% | 1,980 |
| Cash dividends to net income (ytd only)* | 18.4814% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 1,963 |
| Loan loss allowance to noncurrent loans | 71.0594% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.4966% | 745 |
| Noncurrent loans to loans | 1.8312% | 772 |
| Net loans and leases to total assets | 74.0651% | 1,809 |
| Net loans and leases to deposits | 90.6173% | 1,618 |
| Net loans and leases to core deposits | 104.2151% | 1,310 |
| Total domestic deposits to total assets | 81.7340% | 3,552 |
| Equity capital to assets | 11.6657% | 2,546 |
| Core capital (leverage) ratio | 11.2385% | 2,434 |
| Tier 1 risk-based capital ratio | 15.1573% | 2,777 |
| Total risk-based capital ratio | 16.4081% | 2,706 |
| Memoranda: | ||
| Average total assets | $578,057,000 | 1,261 |
| Average earning assets | $540,857,500 | 1,256 |
| Average equity | $64,995,000 | 1,296 |
| Average total loans | $437,526,250 | 1,194 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0060% | 1,469 |
| Cost of funding earning assets | 0.7384% | 2,953 |
| Net interest margin | 4.2676% | 1,206 |
| Noninterest income to average assets | 0.7006% | 1,713 |
| Noninterest expense to average assets | 3.0789% | 1,799 |
| Loan and lease loss provision to assets | 0.0412% | 2,989 |
| Net operating income to assets | 1.3283% | 1,666 |
| Return on assets (ROA) | 1.4301% | 1,391 |
| Pretax return on assets | 1.6941% | 1,280 |
| Return on Equity (ROE) | 12.8866% | 1,281 |
| Retained earnings to average equity (ytd only) | 10.3691% | 659 |
| Net charge-offs to loans | -0.0327% | 4,711 |
| Credit loss provision to net charge-offs | -166.1972% | 3,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6050% | 2,869 |
| Assets per employee ($millions) | 5.3813% | 2,070 |
| Cash dividends to net income (ytd only)* | 19.5360% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 1,960 |
| Loan loss allowance to noncurrent loans | 78.7351% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.3964% | 857 |
| Noncurrent loans to loans | 1.6665% | 917 |
| Net loans and leases to total assets | 75.3455% | 1,660 |
| Net loans and leases to deposits | 94.1619% | 1,244 |
| Net loans and leases to core deposits | 106.8979% | 1,183 |
| Total domestic deposits to total assets | 80.0170% | 4,036 |
| Equity capital to assets | 11.3465% | 2,744 |
| Core capital (leverage) ratio | 11.1191% | 2,491 |
| Tier 1 risk-based capital ratio | 14.6909% | 2,970 |
| Total risk-based capital ratio | 15.9418% | 2,898 |
| Memoranda: | ||
| Average total assets | $572,677,330 | 1,272 |
| Average earning assets | $535,759,330 | 1,263 |
| Average equity | $63,554,330 | 1,314 |
| Average total loans | $434,737,000 | 1,196 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 1,410 |
| Cost of funding earning assets | 0.6654% | 3,232 |
| Net interest margin | 4.3061% | 1,080 |
| Noninterest income to average assets | 0.6526% | 1,816 |
| Noninterest expense to average assets | 3.1506% | 1,615 |
| Loan and lease loss provision to assets | 0.0785% | 2,116 |
| Net operating income to assets | 1.2206% | 1,986 |
| Return on assets (ROA) | 1.3582% | 1,540 |
| Pretax return on assets | 1.6029% | 1,463 |
| Return on Equity (ROE) | 12.3827% | 1,418 |
| Retained earnings to average equity (ytd only) | 9.8043% | 1,085 |
| Net charge-offs to loans | -0.0019% | 3,848 |
| Credit loss provision to net charge-offs | -5,550.0000% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4640% | 2,717 |
| Assets per employee ($millions) | 5.1544% | 2,329 |
| Cash dividends to net income (ytd only)* | 20.8225% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 1,908 |
| Loan loss allowance to noncurrent loans | 79.3868% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.2886% | 1,022 |
| Noncurrent loans to loans | 1.6892% | 918 |
| Net loans and leases to total assets | 75.2598% | 1,602 |
| Net loans and leases to deposits | 90.1775% | 1,606 |
| Net loans and leases to core deposits | 97.8780% | 1,784 |
| Total domestic deposits to total assets | 83.4574% | 3,232 |
| Equity capital to assets | 11.2134% | 2,637 |
| Core capital (leverage) ratio | 11.1256% | 2,451 |
| Tier 1 risk-based capital ratio | 14.7450% | 2,983 |
| Total risk-based capital ratio | 15.9963% | 2,924 |
| Memoranda: | ||
| Average total assets | $565,736,500 | 1,289 |
| Average earning assets | $527,812,000 | 1,281 |
| Average equity | $62,054,500 | 1,336 |
| Average total loans | $428,194,500 | 1,216 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9151% | 1,241 |
| Cost of funding earning assets | 0.5388% | 3,120 |
| Net interest margin | 4.3763% | 990 |
| Noninterest income to average assets | 0.8246% | 1,388 |
| Noninterest expense to average assets | 3.0832% | 1,845 |
| Loan and lease loss provision to assets | 0.2152% | 849 |
| Net operating income to assets | 1.3660% | 1,549 |
| Return on assets (ROA) | 1.4449% | 1,282 |
| Pretax return on assets | 1.7017% | 1,163 |
| Return on Equity (ROE) | 13.7176% | 1,124 |
| Retained earnings to average equity (ytd only) | 11.2668% | 397 |
| Net charge-offs to loans | -0.0262% | 4,769 |
| Credit loss provision to net charge-offs | -1,100.9434% | 4,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8278% | 3,377 |
| Assets per employee ($millions) | 5.1317% | 2,349 |
| Cash dividends to net income (ytd only)* | 17.8663% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 1,865 |
| Loan loss allowance to noncurrent loans | 316.4719% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.3183% | 3,282 |
| Noncurrent loans to loans | 0.4239% | 3,020 |
| Net loans and leases to total assets | 74.0832% | 1,926 |
| Net loans and leases to deposits | 89.3468% | 1,883 |
| Net loans and leases to core deposits | 97.3099% | 1,940 |
| Total domestic deposits to total assets | 82.9164% | 3,355 |
| Equity capital to assets | 10.7231% | 2,954 |
| Core capital (leverage) ratio | 10.9700% | 2,552 |
| Tier 1 risk-based capital ratio | 14.6601% | 2,987 |
| Total risk-based capital ratio | 15.9115% | 2,913 |
| Memoranda: | ||
| Average total assets | $542,333,000 | 1,309 |
| Average earning assets | $505,947,400 | 1,301 |
| Average equity | $57,123,600 | 1,383 |
| Average total loans | $404,643,200 | 1,247 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8556% | 1,289 |
| Cost of funding earning assets | 0.5121% | 3,116 |
| Net interest margin | 4.3435% | 1,025 |
| Noninterest income to average assets | 0.8100% | 1,438 |
| Noninterest expense to average assets | 3.1336% | 1,683 |
| Loan and lease loss provision to assets | 0.1393% | 1,437 |
| Net operating income to assets | 1.3557% | 1,637 |
| Return on assets (ROA) | 1.4602% | 1,300 |
| Pretax return on assets | 1.7215% | 1,223 |
| Return on Equity (ROE) | 13.9297% | 1,140 |
| Retained earnings to average equity (ytd only) | 11.4418% | 563 |
| Net charge-offs to loans | -0.0357% | 4,810 |
| Credit loss provision to net charge-offs | -524.2991% | 4,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3247% | 3,126 |
| Assets per employee ($millions) | 4.9393% | 2,548 |
| Cash dividends to net income (ytd only)* | 17.8602% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,425 |
| Loan loss allowance to noncurrent loans | 303.7657% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 3,462 |
| Noncurrent loans to loans | 0.4067% | 3,194 |
| Net loans and leases to total assets | 74.7721% | 1,859 |
| Net loans and leases to deposits | 90.4099% | 1,836 |
| Net loans and leases to core deposits | 96.8279% | 2,042 |
| Total domestic deposits to total assets | 82.7035% | 3,401 |
| Equity capital to assets | 10.6075% | 3,037 |
| Core capital (leverage) ratio | 10.8840% | 2,690 |
| Tier 1 risk-based capital ratio | 14.6683% | 3,033 |
| Total risk-based capital ratio | 15.9181% | 2,962 |
| Memoranda: | ||
| Average total assets | $536,793,750 | 1,322 |
| Average earning assets | $501,948,000 | 1,306 |
| Average equity | $56,271,750 | 1,400 |
| Average total loans | $399,834,250 | 1,260 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7792% | 1,307 |
| Cost of funding earning assets | 0.4760% | 3,186 |
| Net interest margin | 4.3032% | 1,028 |
| Noninterest income to average assets | 0.7628% | 1,601 |
| Noninterest expense to average assets | 3.1076% | 1,768 |
| Loan and lease loss provision to assets | 0.0441% | 3,017 |
| Net operating income to assets | 1.3841% | 1,497 |
| Return on assets (ROA) | 1.5069% | 1,139 |
| Pretax return on assets | 1.7796% | 1,009 |
| Return on Equity (ROE) | 14.4326% | 975 |
| Retained earnings to average equity (ytd only) | 11.9245% | 528 |
| Net charge-offs to loans | -0.0828% | 5,097 |
| Credit loss provision to net charge-offs | -71.9512% | 4,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9187% | 3,172 |
| Assets per employee ($millions) | 4.9809% | 2,446 |
| Cash dividends to net income (ytd only)* | 17.3784% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 2,913 |
| Loan loss allowance to noncurrent loans | 221.3007% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 3,164 |
| Noncurrent loans to loans | 0.5255% | 2,846 |
| Net loans and leases to total assets | 74.1875% | 1,916 |
| Net loans and leases to deposits | 90.6222% | 1,764 |
| Net loans and leases to core deposits | 96.4999% | 2,013 |
| Total domestic deposits to total assets | 81.8646% | 3,765 |
| Equity capital to assets | 10.5678% | 3,055 |
| Core capital (leverage) ratio | 10.9046% | 2,603 |
| Tier 1 risk-based capital ratio | 13.9279% | 3,393 |
| Total risk-based capital ratio | 15.0594% | 3,370 |
| Memoranda: | ||
| Average total assets | $534,617,000 | 1,331 |
| Average earning assets | $499,954,000 | 1,316 |
| Average equity | $55,818,000 | 1,403 |
| Average total loans | $396,000,000 | 1,269 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6548% | 1,420 |
| Cost of funding earning assets | 0.4332% | 3,346 |
| Net interest margin | 4.2216% | 1,124 |
| Noninterest income to average assets | 0.6972% | 1,844 |
| Noninterest expense to average assets | 3.1507% | 1,690 |
| Loan and lease loss provision to assets | 0.0045% | 3,448 |
| Net operating income to assets | 1.2649% | 1,766 |
| Return on assets (ROA) | 1.4283% | 1,264 |
| Pretax return on assets | 1.6834% | 1,161 |
| Return on Equity (ROE) | 13.7642% | 1,065 |
| Retained earnings to average equity (ytd only) | 11.2327% | 839 |
| Net charge-offs to loans | -0.1642% | 5,329 |
| Credit loss provision to net charge-offs | -3.7267% | 3,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8081% | 2,863 |
| Assets per employee ($millions) | 5.0786% | 2,390 |
| Cash dividends to net income (ytd only)* | 18.3920% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 2,974 |
| Loan loss allowance to noncurrent loans | 219.2915% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 3,250 |
| Noncurrent loans to loans | 0.5338% | 2,924 |
| Net loans and leases to total assets | 73.2324% | 1,994 |
| Net loans and leases to deposits | 87.4391% | 2,002 |
| Net loans and leases to core deposits | 93.5112% | 2,175 |
| Total domestic deposits to total assets | 83.7525% | 3,417 |
| Equity capital to assets | 10.4710% | 3,107 |
| Core capital (leverage) ratio | 10.5504% | 2,893 |
| Tier 1 risk-based capital ratio | 14.1328% | 3,311 |
| Total risk-based capital ratio | 15.2884% | 3,277 |
| Memoranda: | ||
| Average total assets | $532,956,500 | 1,341 |
| Average earning assets | $498,583,500 | 1,329 |
| Average equity | $55,303,000 | 1,419 |
| Average total loans | $392,110,500 | 1,279 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5878% | 1,463 |
| Cost of funding earning assets | 0.4291% | 2,964 |
| Net interest margin | 4.1587% | 1,280 |
| Noninterest income to average assets | 0.8213% | 1,495 |
| Noninterest expense to average assets | 3.0480% | 2,021 |
| Loan and lease loss provision to assets | 0.1618% | 1,383 |
| Net operating income to assets | 1.1030% | 1,845 |
| Return on assets (ROA) | 1.1527% | 1,703 |
| Pretax return on assets | 1.5743% | 1,366 |
| Return on Equity (ROE) | 11.5067% | 1,339 |
| Retained earnings to average equity (ytd only) | 9.2315% | 470 |
| Net charge-offs to loans | 0.1837% | 1,368 |
| Credit loss provision to net charge-offs | 120.3390% | 2,170 |
| Earnings coverage of net charge-offs (x) | 12.4054% | 2,480 |
| Efficiency ratio | 64.6289% | 3,510 |
| Assets per employee ($millions) | 4.9791% | 2,503 |
| Cash dividends to net income (ytd only)* | 19.7726% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 3,226 |
| Loan loss allowance to noncurrent loans | 171.4175% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 2,932 |
| Noncurrent loans to loans | 0.6555% | 2,577 |
| Net loans and leases to total assets | 72.2342% | 2,195 |
| Net loans and leases to deposits | 86.1807% | 2,239 |
| Net loans and leases to core deposits | 92.1005% | 2,372 |
| Total domestic deposits to total assets | 83.8171% | 3,273 |
| Equity capital to assets | 10.2840% | 3,400 |
| Core capital (leverage) ratio | 9.9564% | 3,510 |
| Tier 1 risk-based capital ratio | 13.5593% | 3,595 |
| Total risk-based capital ratio | 14.6553% | 3,593 |
| Memoranda: | ||
| Average total assets | $526,513,200 | 1,339 |
| Average earning assets | $493,114,400 | 1,322 |
| Average equity | $52,743,200 | 1,459 |
| Average total loans | $385,347,800 | 1,273 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5444% | 1,518 |
| Cost of funding earning assets | 0.4250% | 2,928 |
| Net interest margin | 4.1194% | 1,338 |
| Noninterest income to average assets | 0.8065% | 1,563 |
| Noninterest expense to average assets | 3.0398% | 1,999 |
| Loan and lease loss provision to assets | 0.1818% | 1,094 |
| Net operating income to assets | 1.1065% | 2,058 |
| Return on assets (ROA) | 1.1589% | 1,891 |
| Pretax return on assets | 1.5125% | 1,732 |
| Return on Equity (ROE) | 11.6483% | 1,444 |
| Retained earnings to average equity (ytd only) | 9.3452% | 745 |
| Net charge-offs to loans | 0.2413% | 884 |
| Credit loss provision to net charge-offs | 102.8818% | 2,230 |
| Earnings coverage of net charge-offs (x) | 9.2046% | 2,716 |
| Efficiency ratio | 65.1462% | 3,351 |
| Assets per employee ($millions) | 5.3485% | 2,070 |
| Cash dividends to net income (ytd only)* | 19.7715% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 3,626 |
| Loan loss allowance to noncurrent loans | 142.5390% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 2,693 |
| Noncurrent loans to loans | 0.7549% | 2,475 |
| Net loans and leases to total assets | 70.8847% | 2,424 |
| Net loans and leases to deposits | 84.0120% | 2,559 |
| Net loans and leases to core deposits | 89.6692% | 2,638 |
| Total domestic deposits to total assets | 84.3746% | 2,967 |
| Equity capital to assets | 9.8132% | 4,131 |
| Core capital (leverage) ratio | 10.0059% | 3,553 |
| Tier 1 risk-based capital ratio | 13.0979% | 3,946 |
| Total risk-based capital ratio | 14.1501% | 3,983 |
| Memoranda: | ||
| Average total assets | $523,706,500 | 1,352 |
| Average earning assets | $490,676,000 | 1,336 |
| Average equity | $52,103,750 | 1,489 |
| Average total loans | $383,473,250 | 1,288 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5310% | 1,435 |
| Cost of funding earning assets | 0.4263% | 2,832 |
| Net interest margin | 4.1047% | 1,313 |
| Noninterest income to average assets | 0.8182% | 1,508 |
| Noninterest expense to average assets | 3.0687% | 1,915 |
| Loan and lease loss provision to assets | 0.1548% | 1,296 |
| Net operating income to assets | 1.1065% | 1,942 |
| Return on assets (ROA) | 1.1605% | 1,776 |
| Pretax return on assets | 1.5100% | 1,601 |
| Return on Equity (ROE) | 11.6076% | 1,422 |
| Retained earnings to average equity (ytd only) | 9.2674% | 769 |
| Net charge-offs to loans | 0.1290% | 1,390 |
| Credit loss provision to net charge-offs | 162.7049% | 1,447 |
| Earnings coverage of net charge-offs (x) | 16.7582% | 1,962 |
| Efficiency ratio | 65.8053% | 3,382 |
| Assets per employee ($millions) | 4.9585% | 2,444 |
| Cash dividends to net income (ytd only)* | 20.1613% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 3,326 |
| Loan loss allowance to noncurrent loans | 121.2445% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.7717% | 2,279 |
| Noncurrent loans to loans | 0.9472% | 2,065 |
| Net loans and leases to total assets | 73.1228% | 2,018 |
| Net loans and leases to deposits | 87.2501% | 2,072 |
| Net loans and leases to core deposits | 93.6694% | 2,188 |
| Total domestic deposits to total assets | 83.8083% | 3,280 |
| Equity capital to assets | 10.2710% | 3,605 |
| Core capital (leverage) ratio | 10.1280% | 3,364 |
| Tier 1 risk-based capital ratio | 12.9586% | 4,021 |
| Total risk-based capital ratio | 14.0584% | 4,026 |
| Memoranda: | ||
| Average total assets | $512,861,670 | 1,381 |
| Average earning assets | $480,428,670 | 1,370 |
| Average equity | $51,276,670 | 1,508 |
| Average total loans | $378,438,000 | 1,302 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4352% | 1,543 |
| Cost of funding earning assets | 0.4280% | 2,739 |
| Net interest margin | 4.0072% | 1,455 |
| Noninterest income to average assets | 0.7953% | 1,570 |
| Noninterest expense to average assets | 3.0823% | 1,916 |
| Loan and lease loss provision to assets | 0.1548% | 1,178 |
| Net operating income to assets | 1.0282% | 2,174 |
| Return on assets (ROA) | 1.0790% | 1,997 |
| Pretax return on assets | 1.3832% | 1,941 |
| Return on Equity (ROE) | 10.9451% | 1,586 |
| Retained earnings to average equity (ytd only) | 8.5536% | 1,257 |
| Net charge-offs to loans | -0.0245% | 4,847 |
| Credit loss provision to net charge-offs | -856.5217% | 4,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6674% | 3,256 |
| Assets per employee ($millions) | 5.0740% | 2,343 |
| Cash dividends to net income (ytd only)* | 21.8500% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 3,248 |
| Loan loss allowance to noncurrent loans | 76.5037% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.1340% | 1,563 |
| Noncurrent loans to loans | 1.5444% | 1,274 |
| Net loans and leases to total assets | 72.5605% | 1,996 |
| Net loans and leases to deposits | 86.0045% | 2,031 |
| Net loans and leases to core deposits | 92.7602% | 2,095 |
| Total domestic deposits to total assets | 84.3682% | 3,341 |
| Equity capital to assets | 9.8534% | 3,926 |
| Core capital (leverage) ratio | 10.0748% | 3,408 |
| Tier 1 risk-based capital ratio | 12.8228% | 4,186 |
| Total risk-based capital ratio | 13.9559% | 4,157 |
| Memoranda: | ||
| Average total assets | $508,971,500 | 1,397 |
| Average earning assets | $477,539,500 | 1,383 |
| Average equity | $50,177,500 | 1,536 |
| Average total loans | $375,091,500 | 1,318 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5272% | 1,454 |
| Cost of funding earning assets | 0.4347% | 2,659 |
| Net interest margin | 4.0925% | 1,395 |
| Noninterest income to average assets | 0.9316% | 1,316 |
| Noninterest expense to average assets | 3.2999% | 1,576 |
| Loan and lease loss provision to assets | 0.2433% | 868 |
| Net operating income to assets | 0.9610% | 2,532 |
| Return on assets (ROA) | 1.0053% | 2,435 |
| Pretax return on assets | 1.2769% | 2,370 |
| Return on Equity (ROE) | 9.8238% | 2,037 |
| Retained earnings to average equity (ytd only) | 7.6957% | 964 |
| Net charge-offs to loans | 0.1835% | 1,511 |
| Credit loss provision to net charge-offs | 180.4615% | 1,551 |
| Earnings coverage of net charge-offs (x) | 10.8615% | 2,596 |
| Efficiency ratio | 69.2656% | 3,028 |
| Assets per employee ($millions) | 4.7207% | 2,757 |
| Cash dividends to net income (ytd only)* | 21.6629% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 3,409 |
| Loan loss allowance to noncurrent loans | 73.2167% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.1655% | 1,567 |
| Noncurrent loans to loans | 1.5755% | 1,252 |
| Net loans and leases to total assets | 73.1198% | 1,995 |
| Net loans and leases to deposits | 87.1160% | 2,037 |
| Net loans and leases to core deposits | 94.9784% | 2,007 |
| Total domestic deposits to total assets | 83.9339% | 3,443 |
| Equity capital to assets | 9.8640% | 3,864 |
| Core capital (leverage) ratio | 10.0147% | 3,466 |
| Tier 1 risk-based capital ratio | 12.8078% | 4,199 |
| Total risk-based capital ratio | 13.9073% | 4,177 |
| Memoranda: | ||
| Average total assets | $482,165,000 | 1,427 |
| Average earning assets | $451,534,600 | 1,415 |
| Average equity | $49,339,200 | 1,538 |
| Average total loans | $354,287,200 | 1,322 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5011% | 1,541 |
| Cost of funding earning assets | 0.4360% | 2,675 |
| Net interest margin | 4.0651% | 1,484 |
| Noninterest income to average assets | 0.9335% | 1,303 |
| Noninterest expense to average assets | 3.3513% | 1,453 |
| Loan and lease loss provision to assets | 0.1720% | 1,316 |
| Net operating income to assets | 0.9554% | 2,627 |
| Return on assets (ROA) | 1.0041% | 2,550 |
| Pretax return on assets | 1.2749% | 2,523 |
| Return on Equity (ROE) | 9.7212% | 2,178 |
| Retained earnings to average equity (ytd only) | 7.6943% | 1,319 |
| Net charge-offs to loans | 0.0480% | 2,687 |
| Credit loss provision to net charge-offs | 488.8889% | 723 |
| Earnings coverage of net charge-offs (x) | 39.3799% | 1,260 |
| Efficiency ratio | 70.7550% | 2,783 |
| Assets per employee ($millions) | 4.5710% | 2,968 |
| Cash dividends to net income (ytd only)* | 20.8508% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 3,498 |
| Loan loss allowance to noncurrent loans | 65.3656% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.3387% | 1,411 |
| Noncurrent loans to loans | 1.7711% | 1,173 |
| Net loans and leases to total assets | 72.6054% | 2,091 |
| Net loans and leases to deposits | 87.0722% | 2,131 |
| Net loans and leases to core deposits | 94.9993% | 2,102 |
| Total domestic deposits to total assets | 83.3852% | 3,455 |
| Equity capital to assets | 10.2787% | 3,829 |
| Core capital (leverage) ratio | 10.0395% | 3,517 |
| Tier 1 risk-based capital ratio | 12.8006% | 4,277 |
| Total risk-based capital ratio | 13.9123% | 4,272 |
| Memoranda: | ||
| Average total assets | $477,607,750 | 1,436 |
| Average earning assets | $446,814,000 | 1,427 |
| Average equity | $49,334,250 | 1,543 |
| Average total loans | $350,319,750 | 1,337 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 1,493 |
| Cost of funding earning assets | 0.4377% | 2,676 |
| Net interest margin | 4.0680% | 1,449 |
| Noninterest income to average assets | 0.9368% | 1,271 |
| Noninterest expense to average assets | 3.3561% | 1,468 |
| Loan and lease loss provision to assets | 0.1950% | 1,113 |
| Net operating income to assets | 0.9392% | 2,680 |
| Return on assets (ROA) | 0.9815% | 2,607 |
| Pretax return on assets | 1.2419% | 2,630 |
| Return on Equity (ROE) | 9.4850% | 2,280 |
| Retained earnings to average equity (ytd only) | 7.4320% | 1,419 |
| Net charge-offs to loans | 0.0875% | 1,970 |
| Credit loss provision to net charge-offs | 303.9735% | 948 |
| Earnings coverage of net charge-offs (x) | 21.5629% | 1,674 |
| Efficiency ratio | 70.8113% | 2,858 |
| Assets per employee ($millions) | 4.4824% | 3,063 |
| Cash dividends to net income (ytd only)* | 21.6450% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 3,781 |
| Loan loss allowance to noncurrent loans | 109.3876% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.8414% | 2,491 |
| Noncurrent loans to loans | 1.0335% | 2,214 |
| Net loans and leases to total assets | 73.2526% | 1,968 |
| Net loans and leases to deposits | 87.6600% | 2,045 |
| Net loans and leases to core deposits | 96.0376% | 1,972 |
| Total domestic deposits to total assets | 83.5644% | 3,439 |
| Equity capital to assets | 10.3645% | 3,773 |
| Core capital (leverage) ratio | 10.0484% | 3,516 |
| Tier 1 risk-based capital ratio | 12.7713% | 4,334 |
| Total risk-based capital ratio | 13.8557% | 4,353 |
| Memoranda: | ||
| Average total assets | $470,731,670 | 1,457 |
| Average earning assets | $440,018,670 | 1,454 |
| Average equity | $48,708,330 | 1,561 |
| Average total loans | $345,098,670 | 1,356 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4722% | 1,588 |
| Cost of funding earning assets | 0.4430% | 2,655 |
| Net interest margin | 4.0292% | 1,532 |
| Noninterest income to average assets | 0.9215% | 1,261 |
| Noninterest expense to average assets | 3.3652% | 1,456 |
| Loan and lease loss provision to assets | 0.2620% | 652 |
| Net operating income to assets | 0.8468% | 3,003 |
| Return on assets (ROA) | 0.9068% | 2,843 |
| Pretax return on assets | 1.1240% | 2,996 |
| Return on Equity (ROE) | 8.7711% | 2,528 |
| Retained earnings to average equity (ytd only) | 6.6867% | 2,037 |
| Net charge-offs to loans | 0.1301% | 1,324 |
| Credit loss provision to net charge-offs | 276.3636% | 898 |
| Earnings coverage of net charge-offs (x) | 13.8364% | 1,722 |
| Efficiency ratio | 71.9499% | 2,807 |
| Assets per employee ($millions) | 4.3285% | 3,367 |
| Cash dividends to net income (ytd only)* | 23.7643% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 3,767 |
| Loan loss allowance to noncurrent loans | 73.4029% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.2921% | 1,667 |
| Noncurrent loans to loans | 1.5664% | 1,485 |
| Net loans and leases to total assets | 71.1582% | 2,165 |
| Net loans and leases to deposits | 85.1962% | 2,170 |
| Net loans and leases to core deposits | 94.2188% | 1,969 |
| Total domestic deposits to total assets | 83.5228% | 3,700 |
| Equity capital to assets | 10.1860% | 3,858 |
| Core capital (leverage) ratio | 10.1888% | 3,328 |
| Tier 1 risk-based capital ratio | 13.0005% | 4,268 |
| Total risk-based capital ratio | 14.0973% | 4,268 |
| Memoranda: | ||
| Average total assets | $464,050,000 | 1,479 |
| Average earning assets | $432,542,500 | 1,472 |
| Average equity | $47,975,500 | 1,576 |
| Average total loans | $338,314,500 | 1,373 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5261% | 1,518 |
| Cost of funding earning assets | 0.4575% | 2,554 |
| Net interest margin | 4.0686% | 1,491 |
| Noninterest income to average assets | 0.9666% | 1,271 |
| Noninterest expense to average assets | 3.6601% | 1,033 |
| Loan and lease loss provision to assets | 0.1085% | 2,179 |
| Net operating income to assets | 0.8128% | 3,287 |
| Return on assets (ROA) | 0.8907% | 3,004 |
| Pretax return on assets | 1.0946% | 3,087 |
| Return on Equity (ROE) | 8.5977% | 2,671 |
| Retained earnings to average equity (ytd only) | 6.4150% | 1,591 |
| Net charge-offs to loans | 0.0327% | 3,567 |
| Credit loss provision to net charge-offs | 452.8302% | 678 |
| Earnings coverage of net charge-offs (x) | 46.1887% | 1,058 |
| Efficiency ratio | 76.7775% | 2,156 |
| Assets per employee ($millions) | 4.1849% | 3,596 |
| Cash dividends to net income (ytd only)* | 25.3872% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 3,915 |
| Loan loss allowance to noncurrent loans | 104.5772% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.8903% | 2,447 |
| Noncurrent loans to loans | 1.0731% | 2,197 |
| Net loans and leases to total assets | 73.0436% | 1,882 |
| Net loans and leases to deposits | 88.6305% | 1,791 |
| Net loans and leases to core deposits | 94.3024% | 2,025 |
| Total domestic deposits to total assets | 82.4136% | 4,044 |
| Equity capital to assets | 10.4991% | 3,364 |
| Core capital (leverage) ratio | 10.1866% | 3,277 |
| Tier 1 risk-based capital ratio | 13.2046% | 4,166 |
| Total risk-based capital ratio | 14.2823% | 4,201 |
| Memoranda: | ||
| Average total assets | $442,257,400 | 1,510 |
| Average earning assets | $413,117,600 | 1,492 |
| Average equity | $45,814,400 | 1,610 |
| Average total loans | $324,023,800 | 1,376 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 1,553 |
| Cost of funding earning assets | 0.4632% | 2,550 |
| Net interest margin | 4.0512% | 1,559 |
| Noninterest income to average assets | 0.9785% | 1,233 |
| Noninterest expense to average assets | 3.6925% | 986 |
| Loan and lease loss provision to assets | 0.0831% | 2,511 |
| Net operating income to assets | 0.7984% | 3,428 |
| Return on assets (ROA) | 0.8940% | 3,080 |
| Pretax return on assets | 1.0992% | 3,233 |
| Return on Equity (ROE) | 8.6596% | 2,753 |
| Retained earnings to average equity (ytd only) | 6.4573% | 1,985 |
| Net charge-offs to loans | 0.0386% | 3,121 |
| Credit loss provision to net charge-offs | 294.6237% | 982 |
| Earnings coverage of net charge-offs (x) | 37.7518% | 1,300 |
| Efficiency ratio | 77.6255% | 2,003 |
| Assets per employee ($millions) | 4.0646% | 3,773 |
| Cash dividends to net income (ytd only)* | 25.4325% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 4,421 |
| Loan loss allowance to noncurrent loans | 74.3359% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.2683% | 1,842 |
| Noncurrent loans to loans | 1.4270% | 1,770 |
| Net loans and leases to total assets | 72.8174% | 1,934 |
| Net loans and leases to deposits | 88.1035% | 1,887 |
| Net loans and leases to core deposits | 93.4410% | 2,132 |
| Total domestic deposits to total assets | 82.6498% | 3,939 |
| Equity capital to assets | 10.1929% | 3,943 |
| Core capital (leverage) ratio | 10.1449% | 3,445 |
| Tier 1 risk-based capital ratio | 13.0679% | 4,397 |
| Total risk-based capital ratio | 14.0953% | 4,440 |
| Memoranda: | ||
| Average total assets | $439,830,750 | 1,530 |
| Average earning assets | $410,205,250 | 1,511 |
| Average equity | $45,405,000 | 1,631 |
| Average total loans | $321,560,250 | 1,389 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4896% | 1,571 |
| Cost of funding earning assets | 0.4683% | 2,533 |
| Net interest margin | 4.0213% | 1,579 |
| Noninterest income to average assets | 1.0421% | 1,090 |
| Noninterest expense to average assets | 3.6936% | 993 |
| Loan and lease loss provision to assets | 0.0557% | 2,995 |
| Net operating income to assets | 0.8408% | 3,170 |
| Return on assets (ROA) | 0.9611% | 2,693 |
| Pretax return on assets | 1.1962% | 2,791 |
| Return on Equity (ROE) | 9.2695% | 2,396 |
| Retained earnings to average equity (ytd only) | 7.0508% | 1,678 |
| Net charge-offs to loans | 0.0826% | 2,221 |
| Credit loss provision to net charge-offs | 92.3664% | 2,166 |
| Earnings coverage of net charge-offs (x) | 18.2748% | 1,811 |
| Efficiency ratio | 77.0294% | 2,201 |
| Assets per employee ($millions) | 3.8670% | 4,129 |
| Cash dividends to net income (ytd only)* | 23.9349% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 4,641 |
| Loan loss allowance to noncurrent loans | 82.6290% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.1916% | 2,124 |
| Noncurrent loans to loans | 1.2624% | 2,136 |
| Net loans and leases to total assets | 71.7419% | 2,033 |
| Net loans and leases to deposits | 87.1009% | 1,928 |
| Net loans and leases to core deposits | 93.2296% | 2,038 |
| Total domestic deposits to total assets | 82.3664% | 4,161 |
| Equity capital to assets | 10.1550% | 3,858 |
| Core capital (leverage) ratio | 10.2343% | 3,297 |
| Tier 1 risk-based capital ratio | 13.9303% | 3,972 |
| Total risk-based capital ratio | 14.9809% | 4,018 |
| Memoranda: | ||
| Average total assets | $434,694,670 | 1,552 |
| Average earning assets | $405,691,670 | 1,531 |
| Average equity | $45,072,670 | 1,653 |
| Average total loans | $317,064,670 | 1,410 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4621% | 1,580 |
| Cost of funding earning assets | 0.4662% | 2,595 |
| Net interest margin | 3.9959% | 1,571 |
| Noninterest income to average assets | 0.9104% | 1,355 |
| Noninterest expense to average assets | 3.6817% | 1,031 |
| Loan and lease loss provision to assets | 0.0028% | 3,676 |
| Net operating income to assets | 0.7944% | 3,295 |
| Return on assets (ROA) | 0.8778% | 2,982 |
| Pretax return on assets | 1.0603% | 3,263 |
| Return on Equity (ROE) | 8.3768% | 2,763 |
| Retained earnings to average equity (ytd only) | 6.1560% | 2,397 |
| Net charge-offs to loans | 0.1260% | 1,501 |
| Credit loss provision to net charge-offs | 3.0303% | 2,478 |
| Earnings coverage of net charge-offs (x) | 10.4444% | 1,936 |
| Efficiency ratio | 79.2744% | 1,987 |
| Assets per employee ($millions) | 3.9091% | 4,144 |
| Cash dividends to net income (ytd only)* | 26.5111% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 4,860 |
| Loan loss allowance to noncurrent loans | 84.6770% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.2268% | 2,182 |
| Noncurrent loans to loans | 1.2176% | 2,338 |
| Net loans and leases to total assets | 72.4936% | 1,733 |
| Net loans and leases to deposits | 88.3084% | 1,584 |
| Net loans and leases to core deposits | 94.5053% | 1,726 |
| Total domestic deposits to total assets | 82.0914% | 4,486 |
| Equity capital to assets | 10.4893% | 3,546 |
| Core capital (leverage) ratio | 10.2773% | 3,246 |
| Tier 1 risk-based capital ratio | 12.5744% | 4,854 |
| Total risk-based capital ratio | 13.5174% | 4,973 |
| Memoranda: | ||
| Average total assets | $429,688,000 | 1,575 |
| Average earning assets | $401,513,000 | 1,554 |
| Average equity | $45,029,000 | 1,657 |
| Average total loans | $314,394,500 | 1,421 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,576 |
| Cost of funding earning assets | 0.4989% | 2,691 |
| Net interest margin | 4.0949% | 1,593 |
| Noninterest income to average assets | 0.9392% | 1,383 |
| Noninterest expense to average assets | 3.6773% | 1,190 |
| Loan and lease loss provision to assets | 0.0158% | 4,289 |
| Net operating income to assets | 0.8553% | 3,088 |
| Return on assets (ROA) | 0.8712% | 3,102 |
| Pretax return on assets | 1.0341% | 3,373 |
| Return on Equity (ROE) | 8.6721% | 2,743 |
| Retained earnings to average equity (ytd only) | 7.2415% | 1,301 |
| Net charge-offs to loans | 0.2119% | 1,973 |
| Credit loss provision to net charge-offs | 10.2804% | 4,101 |
| Earnings coverage of net charge-offs (x) | 6.7040% | 3,150 |
| Efficiency ratio | 78.1034% | 2,197 |
| Assets per employee ($millions) | 3.7988% | 4,347 |
| Cash dividends to net income (ytd only)* | 16.4971% | 3,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 4,615 |
| Loan loss allowance to noncurrent loans | 105.7698% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.0910% | 2,568 |
| Noncurrent loans to loans | 1.0256% | 2,774 |
| Net loans and leases to total assets | 72.2930% | 1,859 |
| Net loans and leases to deposits | 88.3095% | 1,702 |
| Net loans and leases to core deposits | 94.8823% | 1,828 |
| Total domestic deposits to total assets | 81.8632% | 4,470 |
| Equity capital to assets | 10.4695% | 3,524 |
| Core capital (leverage) ratio | 10.1028% | 3,435 |
| Tier 1 risk-based capital ratio | 13.4817% | 4,425 |
| Total risk-based capital ratio | 14.5409% | 4,468 |
| Memoranda: | ||
| Average total assets | $417,477,800 | 1,585 |
| Average earning assets | $384,260,200 | 1,583 |
| Average equity | $41,939,000 | 1,713 |
| Average total loans | $302,910,200 | 1,415 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 1,618 |
| Cost of funding earning assets | 0.5024% | 2,732 |
| Net interest margin | 4.0768% | 1,645 |
| Noninterest income to average assets | 0.9415% | 1,390 |
| Noninterest expense to average assets | 3.6596% | 1,196 |
| Loan and lease loss provision to assets | 0.0196% | 4,010 |
| Net operating income to assets | 0.8219% | 3,330 |
| Return on assets (ROA) | 0.8398% | 3,324 |
| Pretax return on assets | 1.0237% | 3,504 |
| Return on Equity (ROE) | 8.4511% | 2,966 |
| Retained earnings to average equity (ytd only) | 6.9979% | 1,825 |
| Net charge-offs to loans | 0.1998% | 1,862 |
| Credit loss provision to net charge-offs | 13.5255% | 3,659 |
| Earnings coverage of net charge-offs (x) | 7.0576% | 2,983 |
| Efficiency ratio | 78.1792% | 2,157 |
| Assets per employee ($millions) | 3.8747% | 4,137 |
| Cash dividends to net income (ytd only)* | 17.1954% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 4,535 |
| Loan loss allowance to noncurrent loans | 82.6521% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.3709% | 2,253 |
| Noncurrent loans to loans | 1.3844% | 2,335 |
| Net loans and leases to total assets | 72.8017% | 1,712 |
| Net loans and leases to deposits | 88.4127% | 1,621 |
| Net loans and leases to core deposits | 94.0897% | 1,855 |
| Total domestic deposits to total assets | 82.3430% | 4,365 |
| Equity capital to assets | 10.2346% | 3,881 |
| Core capital (leverage) ratio | 9.9872% | 3,696 |
| Tier 1 risk-based capital ratio | 13.4609% | 4,570 |
| Total risk-based capital ratio | 14.5999% | 4,570 |
| Memoranda: | ||
| Average total assets | $415,480,750 | 1,605 |
| Average earning assets | $381,109,500 | 1,608 |
| Average equity | $41,287,750 | 1,742 |
| Average total loans | $300,899,000 | 1,425 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 1,663 |
| Cost of funding earning assets | 0.5068% | 2,764 |
| Net interest margin | 4.0458% | 1,673 |
| Noninterest income to average assets | 0.9366% | 1,374 |
| Noninterest expense to average assets | 3.6404% | 1,224 |
| Loan and lease loss provision to assets | 0.0271% | 3,731 |
| Net operating income to assets | 0.7984% | 3,348 |
| Return on assets (ROA) | 0.8258% | 3,298 |
| Pretax return on assets | 0.9961% | 3,488 |
| Return on Equity (ROE) | 8.3953% | 2,897 |
| Retained earnings to average equity (ytd only) | 6.9190% | 1,808 |
| Net charge-offs to loans | 0.2561% | 1,530 |
| Credit loss provision to net charge-offs | 14.6982% | 3,259 |
| Earnings coverage of net charge-offs (x) | 5.3701% | 2,939 |
| Efficiency ratio | 78.6140% | 2,215 |
| Assets per employee ($millions) | 3.6347% | 4,588 |
| Cash dividends to net income (ytd only)* | 17.5850% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 4,478 |
| Loan loss allowance to noncurrent loans | 106.2757% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.1607% | 2,759 |
| Noncurrent loans to loans | 1.1173% | 2,986 |
| Net loans and leases to total assets | 71.5238% | 1,825 |
| Net loans and leases to deposits | 87.6922% | 1,630 |
| Net loans and leases to core deposits | 93.0316% | 1,858 |
| Total domestic deposits to total assets | 81.5623% | 4,797 |
| Equity capital to assets | 9.9809% | 4,130 |
| Core capital (leverage) ratio | 9.9947% | 3,617 |
| Tier 1 risk-based capital ratio | 13.3108% | 4,713 |
| Total risk-based capital ratio | 14.4787% | 4,703 |
| Memoranda: | ||
| Average total assets | $413,193,670 | 1,611 |
| Average earning assets | $377,277,000 | 1,617 |
| Average equity | $40,642,000 | 1,757 |
| Average total loans | $297,521,670 | 1,440 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 1,741 |
| Cost of funding earning assets | 0.5123% | 2,780 |
| Net interest margin | 4.0091% | 1,727 |
| Noninterest income to average assets | 0.8333% | 1,627 |
| Noninterest expense to average assets | 3.6990% | 1,132 |
| Loan and lease loss provision to assets | 0.0039% | 3,771 |
| Net operating income to assets | 0.6902% | 3,740 |
| Return on assets (ROA) | 0.7062% | 3,731 |
| Pretax return on assets | 0.8225% | 4,016 |
| Return on Equity (ROE) | 7.2341% | 3,333 |
| Retained earnings to average equity (ytd only) | 5.7312% | 2,678 |
| Net charge-offs to loans | -0.0082% | 4,968 |
| Credit loss provision to net charge-offs | -66.6667% | 4,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0747% | 1,918 |
| Assets per employee ($millions) | 3.6785% | 4,567 |
| Cash dividends to net income (ytd only)* | 20.7756% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 3,925 |
| Loan loss allowance to noncurrent loans | 82.3762% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.6280% | 2,168 |
| Noncurrent loans to loans | 1.6206% | 2,402 |
| Net loans and leases to total assets | 70.3935% | 1,817 |
| Net loans and leases to deposits | 83.9259% | 1,828 |
| Net loans and leases to core deposits | 88.9051% | 2,007 |
| Total domestic deposits to total assets | 83.8757% | 4,318 |
| Equity capital to assets | 9.7571% | 4,157 |
| Core capital (leverage) ratio | 10.0658% | 3,477 |
| Tier 1 risk-based capital ratio | 13.3504% | 4,796 |
| Total risk-based capital ratio | 14.6011% | 4,729 |
| Memoranda: | ||
| Average total assets | $408,977,500 | 1,640 |
| Average earning assets | $374,748,500 | 1,632 |
| Average equity | $39,922,000 | 1,772 |
| Average total loans | $293,689,000 | 1,462 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6354% | 1,756 |
| Cost of funding earning assets | 0.6301% | 2,387 |
| Net interest margin | 4.0053% | 1,933 |
| Noninterest income to average assets | 0.8090% | 2,040 |
| Noninterest expense to average assets | 3.3927% | 1,899 |
| Loan and lease loss provision to assets | -0.2702% | 6,658 |
| Net operating income to assets | 1.0446% | 2,137 |
| Return on assets (ROA) | 1.1124% | 1,959 |
| Pretax return on assets | 1.4533% | 1,608 |
| Return on Equity (ROE) | 11.2103% | 1,699 |
| Retained earnings to average equity (ytd only) | 4.3701% | 3,069 |
| Net charge-offs to loans | 0.3839% | 1,758 |
| Credit loss provision to net charge-offs | -98.1735% | 5,872 |
| Earnings coverage of net charge-offs (x) | 3.9781% | 3,707 |
| Efficiency ratio | 75.5994% | 2,846 |
| Assets per employee ($millions) | 3.4982% | 4,901 |
| Cash dividends to net income (ytd only)* | 61.0169% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 3,852 |
| Loan loss allowance to noncurrent loans | 87.3093% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.6903% | 2,180 |
| Noncurrent loans to loans | 1.5553% | 2,564 |
| Net loans and leases to total assets | 71.3090% | 1,790 |
| Net loans and leases to deposits | 84.5954% | 1,852 |
| Net loans and leases to core deposits | 88.6994% | 2,162 |
| Total domestic deposits to total assets | 84.2942% | 4,054 |
| Equity capital to assets | 9.7658% | 4,081 |
| Core capital (leverage) ratio | 9.8663% | 3,747 |
| Tier 1 risk-based capital ratio | 13.4443% | 4,688 |
| Total risk-based capital ratio | 14.6951% | 4,628 |
| Memoranda: | ||
| Average total assets | $397,797,000 | 1,661 |
| Average earning assets | $365,362,200 | 1,650 |
| Average equity | $39,472,800 | 1,771 |
| Average total loans | $285,245,600 | 1,485 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6127% | 1,855 |
| Cost of funding earning assets | 0.6586% | 2,287 |
| Net interest margin | 3.9541% | 2,100 |
| Noninterest income to average assets | 0.7973% | 2,163 |
| Noninterest expense to average assets | 3.2994% | 2,085 |
| Loan and lease loss provision to assets | -0.2084% | 6,726 |
| Net operating income to assets | 1.0237% | 2,283 |
| Return on assets (ROA) | 1.1031% | 2,070 |
| Pretax return on assets | 1.4450% | 1,779 |
| Return on Equity (ROE) | 11.0728% | 1,792 |
| Retained earnings to average equity (ytd only) | 3.8192% | 3,969 |
| Net charge-offs to loans | 0.1362% | 3,175 |
| Credit loss provision to net charge-offs | -213.7931% | 5,913 |
| Earnings coverage of net charge-offs (x) | 11.6137% | 2,217 |
| Efficiency ratio | 74.4539% | 2,990 |
| Assets per employee ($millions) | 3.6145% | 4,632 |
| Cash dividends to net income (ytd only)* | 65.5090% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8055% | 2,285 |
| Loan loss allowance to noncurrent loans | 100.7738% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.9396% | 2,094 |
| Noncurrent loans to loans | 1.7916% | 2,508 |
| Net loans and leases to total assets | 69.3610% | 2,072 |
| Net loans and leases to deposits | 82.0242% | 2,132 |
| Net loans and leases to core deposits | 85.8490% | 2,424 |
| Total domestic deposits to total assets | 84.5616% | 3,946 |
| Equity capital to assets | 9.5005% | 4,558 |
| Core capital (leverage) ratio | 9.8987% | 3,816 |
| Tier 1 risk-based capital ratio | 13.3917% | 4,844 |
| Total risk-based capital ratio | 14.6483% | 4,780 |
| Memoranda: | ||
| Average total assets | $396,673,750 | 1,670 |
| Average earning assets | $364,579,000 | 1,661 |
| Average equity | $39,519,250 | 1,778 |
| Average total loans | $283,852,500 | 1,496 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6081% | 1,826 |
| Cost of funding earning assets | 0.7023% | 2,047 |
| Net interest margin | 3.9058% | 2,195 |
| Noninterest income to average assets | 0.8081% | 2,152 |
| Noninterest expense to average assets | 3.2305% | 2,273 |
| Loan and lease loss provision to assets | -0.1660% | 6,762 |
| Net operating income to assets | 1.0152% | 2,265 |
| Return on assets (ROA) | 1.1096% | 2,011 |
| Pretax return on assets | 1.4589% | 1,747 |
| Return on Equity (ROE) | 10.9614% | 1,820 |
| Retained earnings to average equity (ytd only) | 6.6855% | 2,046 |
| Net charge-offs to loans | 0.1261% | 3,112 |
| Credit loss provision to net charge-offs | -183.1461% | 5,716 |
| Earnings coverage of net charge-offs (x) | 12.8933% | 1,945 |
| Efficiency ratio | 73.4344% | 3,238 |
| Assets per employee ($millions) | 3.6332% | 4,547 |
| Cash dividends to net income (ytd only)* | 39.0087% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9539% | 1,957 |
| Loan loss allowance to noncurrent loans | 124.3082% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 1.7734% | 2,455 |
| Noncurrent loans to loans | 1.5718% | 2,952 |
| Net loans and leases to total assets | 71.1492% | 1,701 |
| Net loans and leases to deposits | 85.5388% | 1,617 |
| Net loans and leases to core deposits | 90.0665% | 1,902 |
| Total domestic deposits to total assets | 83.1777% | 4,633 |
| Equity capital to assets | 9.8824% | 4,079 |
| Core capital (leverage) ratio | 10.1358% | 3,312 |
| Tier 1 risk-based capital ratio | 13.5472% | 4,743 |
| Total risk-based capital ratio | 14.8054% | 4,694 |
| Memoranda: | ||
| Average total assets | $392,750,670 | 1,689 |
| Average earning assets | $361,103,330 | 1,679 |
| Average equity | $39,757,670 | 1,773 |
| Average total loans | $282,300,330 | 1,506 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 1,978 |
| Cost of funding earning assets | 0.7528% | 1,829 |
| Net interest margin | 3.8006% | 2,446 |
| Noninterest income to average assets | 0.8499% | 1,927 |
| Noninterest expense to average assets | 3.1776% | 2,426 |
| Loan and lease loss provision to assets | -0.1309% | 6,857 |
| Net operating income to assets | 0.9827% | 2,303 |
| Return on assets (ROA) | 1.0861% | 2,023 |
| Pretax return on assets | 1.4349% | 1,757 |
| Return on Equity (ROE) | 10.6018% | 1,840 |
| Retained earnings to average equity (ytd only) | 5.1112% | 3,166 |
| Net charge-offs to loans | 0.0257% | 3,670 |
| Credit loss provision to net charge-offs | -711.1111% | 5,562 |
| Earnings coverage of net charge-offs (x) | 63.4444% | 563 |
| Efficiency ratio | 73.1231% | 3,425 |
| Assets per employee ($millions) | 3.7257% | 4,503 |
| Cash dividends to net income (ytd only)* | 51.7891% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1286% | 1,734 |
| Loan loss allowance to noncurrent loans | 119.0789% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.9949% | 2,353 |
| Noncurrent loans to loans | 1.7876% | 2,881 |
| Net loans and leases to total assets | 70.2011% | 1,625 |
| Net loans and leases to deposits | 85.2543% | 1,446 |
| Net loans and leases to core deposits | 89.6522% | 1,733 |
| Total domestic deposits to total assets | 82.3431% | 5,081 |
| Equity capital to assets | 10.2673% | 3,833 |
| Core capital (leverage) ratio | 10.0207% | 3,352 |
| Tier 1 risk-based capital ratio | 13.6312% | 4,770 |
| Total risk-based capital ratio | 14.8917% | 4,732 |
| Memoranda: | ||
| Average total assets | $391,117,500 | 1,708 |
| Average earning assets | $359,731,000 | 1,698 |
| Average equity | $40,068,500 | 1,770 |
| Average total loans | $279,761,500 | 1,527 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8861% | 1,883 |
| Cost of funding earning assets | 0.9234% | 1,795 |
| Net interest margin | 3.9627% | 2,560 |
| Noninterest income to average assets | 0.9076% | 1,839 |
| Noninterest expense to average assets | 3.1925% | 2,642 |
| Loan and lease loss provision to assets | 0.4488% | 1,408 |
| Net operating income to assets | 0.7100% | 3,696 |
| Return on assets (ROA) | 0.8079% | 3,498 |
| Pretax return on assets | 1.0292% | 3,440 |
| Return on Equity (ROE) | 7.9188% | 3,118 |
| Retained earnings to average equity (ytd only) | 4.8425% | 2,817 |
| Net charge-offs to loans | 0.7394% | 1,590 |
| Credit loss provision to net charge-offs | 83.4225% | 3,719 |
| Earnings coverage of net charge-offs (x) | 2.5168% | 4,162 |
| Efficiency ratio | 70.2180% | 3,768 |
| Assets per employee ($millions) | 3.7599% | 4,446 |
| Cash dividends to net income (ytd only)* | 38.8475% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1938% | 1,559 |
| Loan loss allowance to noncurrent loans | 96.7431% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 2.3816% | 2,058 |
| Noncurrent loans to loans | 2.2677% | 2,385 |
| Net loans and leases to total assets | 69.7647% | 1,891 |
| Net loans and leases to deposits | 85.7593% | 1,546 |
| Net loans and leases to core deposits | 89.9150% | 1,840 |
| Total domestic deposits to total assets | 81.3494% | 5,291 |
| Equity capital to assets | 10.2219% | 3,864 |
| Core capital (leverage) ratio | 9.9224% | 3,510 |
| Tier 1 risk-based capital ratio | 13.4819% | 4,760 |
| Total risk-based capital ratio | 14.7430% | 4,710 |
| Memoranda: | ||
| Average total assets | $382,333,600 | 1,704 |
| Average earning assets | $351,097,200 | 1,701 |
| Average equity | $39,008,400 | 1,782 |
| Average total loans | $278,216,800 | 1,496 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 1,905 |
| Cost of funding earning assets | 0.9571% | 1,812 |
| Net interest margin | 3.9720% | 2,614 |
| Noninterest income to average assets | 0.8673% | 1,953 |
| Noninterest expense to average assets | 3.1772% | 2,642 |
| Loan and lease loss provision to assets | 0.5471% | 1,068 |
| Net operating income to assets | 0.6409% | 4,191 |
| Return on assets (ROA) | 0.7162% | 4,088 |
| Pretax return on assets | 0.8877% | 4,164 |
| Return on Equity (ROE) | 7.0228% | 3,801 |
| Retained earnings to average equity (ytd only) | 3.9276% | 4,121 |
| Net charge-offs to loans | 0.6344% | 1,736 |
| Credit loss provision to net charge-offs | 117.9138% | 2,457 |
| Earnings coverage of net charge-offs (x) | 2.8919% | 3,882 |
| Efficiency ratio | 70.3066% | 3,632 |
| Assets per employee ($millions) | 3.6006% | 4,752 |
| Cash dividends to net income (ytd only)* | 44.0744% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4183% | 1,322 |
| Loan loss allowance to noncurrent loans | 107.6342% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 2.4045% | 2,213 |
| Noncurrent loans to loans | 2.2468% | 2,559 |
| Net loans and leases to total assets | 70.8052% | 1,762 |
| Net loans and leases to deposits | 86.2833% | 1,568 |
| Net loans and leases to core deposits | 90.5465% | 1,919 |
| Total domestic deposits to total assets | 82.0613% | 4,997 |
| Equity capital to assets | 10.3579% | 4,006 |
| Core capital (leverage) ratio | 9.8224% | 3,787 |
| Tier 1 risk-based capital ratio | 13.3775% | 4,967 |
| Total risk-based capital ratio | 14.6414% | 4,919 |
| Memoranda: | ||
| Average total assets | $380,158,750 | 1,730 |
| Average earning assets | $349,508,250 | 1,720 |
| Average equity | $38,767,750 | 1,811 |
| Average total loans | $278,040,500 | 1,510 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 1,858 |
| Cost of funding earning assets | 0.9874% | 1,843 |
| Net interest margin | 3.9868% | 2,563 |
| Noninterest income to average assets | 0.9219% | 1,702 |
| Noninterest expense to average assets | 3.1123% | 2,887 |
| Loan and lease loss provision to assets | 0.5832% | 1,030 |
| Net operating income to assets | 0.7087% | 3,828 |
| Return on assets (ROA) | 0.7876% | 3,694 |
| Pretax return on assets | 0.9898% | 3,742 |
| Return on Equity (ROE) | 7.7636% | 3,363 |
| Retained earnings to average equity (ytd only) | 4.6478% | 3,513 |
| Net charge-offs to loans | 0.5388% | 1,979 |
| Credit loss provision to net charge-offs | 147.6000% | 1,875 |
| Earnings coverage of net charge-offs (x) | 3.7320% | 3,293 |
| Efficiency ratio | 67.8535% | 4,154 |
| Assets per employee ($millions) | 3.6071% | 4,740 |
| Cash dividends to net income (ytd only)* | 40.1338% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4471% | 1,355 |
| Loan loss allowance to noncurrent loans | 88.7746% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 2.5833% | 2,151 |
| Noncurrent loans to loans | 2.7565% | 2,180 |
| Net loans and leases to total assets | 71.7525% | 1,597 |
| Net loans and leases to deposits | 87.4203% | 1,431 |
| Net loans and leases to core deposits | 92.0013% | 1,779 |
| Total domestic deposits to total assets | 82.0777% | 5,100 |
| Equity capital to assets | 10.3059% | 3,929 |
| Core capital (leverage) ratio | 9.9158% | 3,540 |
| Tier 1 risk-based capital ratio | 13.2118% | 5,026 |
| Total risk-based capital ratio | 14.4764% | 4,994 |
| Memoranda: | ||
| Average total assets | $379,658,000 | 1,739 |
| Average earning assets | $348,999,670 | 1,728 |
| Average equity | $38,513,000 | 1,811 |
| Average total loans | $278,409,670 | 1,510 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9495% | 2,067 |
| Cost of funding earning assets | 1.0233% | 1,849 |
| Net interest margin | 3.9262% | 2,818 |
| Noninterest income to average assets | 0.8755% | 1,847 |
| Noninterest expense to average assets | 3.1043% | 2,903 |
| Loan and lease loss provision to assets | 0.4788% | 1,278 |
| Net operating income to assets | 0.7128% | 3,821 |
| Return on assets (ROA) | 0.8092% | 3,573 |
| Pretax return on assets | 1.0239% | 3,594 |
| Return on Equity (ROE) | 8.0412% | 3,270 |
| Retained earnings to average equity (ytd only) | 4.9042% | 3,612 |
| Net charge-offs to loans | 0.8407% | 1,226 |
| Credit loss provision to net charge-offs | 77.7778% | 2,768 |
| Earnings coverage of net charge-offs (x) | 2.2427% | 3,268 |
| Efficiency ratio | 69.2163% | 3,945 |
| Assets per employee ($millions) | 3.6521% | 4,757 |
| Cash dividends to net income (ytd only)* | 39.0117% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2652% | 1,748 |
| Loan loss allowance to noncurrent loans | 81.0811% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 2.6270% | 2,250 |
| Noncurrent loans to loans | 2.7937% | 2,320 |
| Net loans and leases to total assets | 72.6064% | 1,297 |
| Net loans and leases to deposits | 88.3989% | 1,121 |
| Net loans and leases to core deposits | 93.2663% | 1,523 |
| Total domestic deposits to total assets | 82.1350% | 5,250 |
| Equity capital to assets | 10.2311% | 3,813 |
| Core capital (leverage) ratio | 9.8519% | 3,568 |
| Tier 1 risk-based capital ratio | 13.0204% | 5,204 |
| Total risk-based capital ratio | 14.2827% | 5,158 |
| Memoranda: | ||
| Average total assets | $380,114,500 | 1,743 |
| Average earning assets | $349,448,000 | 1,730 |
| Average equity | $38,253,000 | 1,818 |
| Average total loans | $278,326,500 | 1,518 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0543% | 2,635 |
| Cost of funding earning assets | 1.2401% | 1,784 |
| Net interest margin | 3.8142% | 3,750 |
| Noninterest income to average assets | 0.6877% | 2,676 |
| Noninterest expense to average assets | 2.9778% | 3,677 |
| Loan and lease loss provision to assets | 0.5429% | 1,933 |
| Net operating income to assets | 0.5803% | 4,096 |
| Return on assets (ROA) | 0.6449% | 3,956 |
| Pretax return on assets | 0.7738% | 4,072 |
| Return on Equity (ROE) | 6.8719% | 3,453 |
| Retained earnings to average equity (ytd only) | 3.1655% | 3,965 |
| Net charge-offs to loans | 0.7505% | 2,274 |
| Credit loss provision to net charge-offs | 99.6217% | 3,587 |
| Earnings coverage of net charge-offs (x) | 2.2733% | 4,085 |
| Efficiency ratio | 70.6202% | 3,828 |
| Assets per employee ($millions) | 3.6929% | 4,561 |
| Cash dividends to net income (ytd only)* | 53.9353% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3304% | 1,577 |
| Loan loss allowance to noncurrent loans | 74.0826% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 2.7967% | 2,163 |
| Noncurrent loans to loans | 3.1457% | 2,057 |
| Net loans and leases to total assets | 70.4942% | 1,930 |
| Net loans and leases to deposits | 86.6796% | 1,580 |
| Net loans and leases to core deposits | 91.3589% | 1,953 |
| Total domestic deposits to total assets | 81.3273% | 5,355 |
| Equity capital to assets | 9.8994% | 4,307 |
| Core capital (leverage) ratio | 9.5536% | 3,939 |
| Tier 1 risk-based capital ratio | 12.9611% | 5,098 |
| Total risk-based capital ratio | 14.2242% | 5,068 |
| Memoranda: | ||
| Average total assets | $388,108,400 | 1,668 |
| Average earning assets | $359,082,400 | 1,648 |
| Average equity | $36,423,600 | 1,859 |
| Average total loans | $281,799,800 | 1,510 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0812% | 2,701 |
| Cost of funding earning assets | 1.2773% | 1,833 |
| Net interest margin | 3.8039% | 3,860 |
| Noninterest income to average assets | 0.6373% | 2,951 |
| Noninterest expense to average assets | 2.9228% | 3,826 |
| Loan and lease loss provision to assets | 0.6192% | 1,590 |
| Net operating income to assets | 0.5377% | 4,372 |
| Return on assets (ROA) | 0.5770% | 4,373 |
| Pretax return on assets | 0.6661% | 4,592 |
| Return on Equity (ROE) | 6.2326% | 3,908 |
| Retained earnings to average equity (ytd only) | 2.1614% | 5,046 |
| Net charge-offs to loans | 0.6677% | 2,241 |
| Credit loss provision to net charge-offs | 127.5229% | 2,507 |
| Earnings coverage of net charge-offs (x) | 2.5540% | 3,844 |
| Efficiency ratio | 70.2115% | 3,923 |
| Assets per employee ($millions) | 3.7662% | 4,373 |
| Cash dividends to net income (ytd only)* | 65.3206% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4417% | 1,476 |
| Loan loss allowance to noncurrent loans | 71.6614% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 2.9873% | 2,148 |
| Noncurrent loans to loans | 3.4073% | 2,024 |
| Net loans and leases to total assets | 70.6361% | 1,954 |
| Net loans and leases to deposits | 87.9400% | 1,442 |
| Net loans and leases to core deposits | 93.8991% | 1,799 |
| Total domestic deposits to total assets | 80.3230% | 5,644 |
| Equity capital to assets | 9.7106% | 4,767 |
| Core capital (leverage) ratio | 9.1039% | 4,783 |
| Tier 1 risk-based capital ratio | 12.6625% | 5,355 |
| Total risk-based capital ratio | 13.9269% | 5,323 |
| Memoranda: | ||
| Average total assets | $389,119,500 | 1,676 |
| Average earning assets | $360,638,500 | 1,645 |
| Average equity | $36,024,500 | 1,877 |
| Average total loans | $282,949,000 | 1,518 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1199% | 2,590 |
| Cost of funding earning assets | 1.3027% | 1,925 |
| Net interest margin | 3.8172% | 3,702 |
| Noninterest income to average assets | 0.6855% | 2,628 |
| Noninterest expense to average assets | 2.9339% | 3,886 |
| Loan and lease loss provision to assets | 0.6187% | 1,543 |
| Net operating income to assets | 0.5774% | 4,166 |
| Return on assets (ROA) | 0.6202% | 4,084 |
| Pretax return on assets | 0.7214% | 4,311 |
| Return on Equity (ROE) | 6.8102% | 3,526 |
| Retained earnings to average equity (ytd only) | 3.4276% | 4,078 |
| Net charge-offs to loans | 0.8750% | 1,771 |
| Credit loss provision to net charge-offs | 97.0991% | 3,247 |
| Earnings coverage of net charge-offs (x) | 2.0250% | 3,848 |
| Efficiency ratio | 69.4542% | 4,218 |
| Assets per employee ($millions) | 3.8906% | 4,010 |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2777% | 1,784 |
| Loan loss allowance to noncurrent loans | 100.0778% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 2.0618% | 3,159 |
| Noncurrent loans to loans | 2.2759% | 3,129 |
| Net loans and leases to total assets | 69.5391% | 2,310 |
| Net loans and leases to deposits | 86.2164% | 1,765 |
| Net loans and leases to core deposits | 92.0287% | 2,128 |
| Total domestic deposits to total assets | 80.6564% | 5,633 |
| Equity capital to assets | 9.0931% | 5,451 |
| Core capital (leverage) ratio | 9.1806% | 4,441 |
| Tier 1 risk-based capital ratio | 12.6921% | 5,185 |
| Total risk-based capital ratio | 13.9547% | 5,143 |
| Memoranda: | ||
| Average total assets | $389,521,000 | 1,684 |
| Average earning assets | $361,103,670 | 1,656 |
| Average equity | $35,476,330 | 1,888 |
| Average total loans | $283,643,330 | 1,535 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1814% | 2,298 |
| Cost of funding earning assets | 1.3545% | 1,858 |
| Net interest margin | 3.8269% | 3,482 |
| Noninterest income to average assets | 0.6655% | 2,753 |
| Noninterest expense to average assets | 2.9710% | 3,763 |
| Loan and lease loss provision to assets | 0.6251% | 1,380 |
| Net operating income to assets | 0.5495% | 4,274 |
| Return on assets (ROA) | 0.5733% | 4,239 |
| Pretax return on assets | 0.6520% | 4,482 |
| Return on Equity (ROE) | 6.2891% | 3,733 |
| Retained earnings to average equity (ytd only) | 2.8773% | 4,437 |
| Net charge-offs to loans | 0.8837% | 1,500 |
| Credit loss provision to net charge-offs | 96.0191% | 2,828 |
| Earnings coverage of net charge-offs (x) | 1.9204% | 3,350 |
| Efficiency ratio | 70.3831% | 4,181 |
| Assets per employee ($millions) | 3.7823% | 4,340 |
| Cash dividends to net income (ytd only)* | 54.2495% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2727% | 1,811 |
| Loan loss allowance to noncurrent loans | 94.5970% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 2.2636% | 2,987 |
| Noncurrent loans to loans | 2.4025% | 3,086 |
| Net loans and leases to total assets | 72.5247% | 1,607 |
| Net loans and leases to deposits | 91.5402% | 1,062 |
| Net loans and leases to core deposits | 98.2384% | 1,501 |
| Total domestic deposits to total assets | 79.2272% | 6,136 |
| Equity capital to assets | 9.2540% | 4,806 |
| Core capital (leverage) ratio | 9.1001% | 4,450 |
| Tier 1 risk-based capital ratio | 12.5046% | 5,261 |
| Total risk-based capital ratio | 13.7674% | 5,228 |
| Memoranda: | ||
| Average total assets | $385,861,500 | 1,710 |
| Average earning assets | $358,512,000 | 1,680 |
| Average equity | $35,172,000 | 1,889 |
| Average total loans | $284,269,500 | 1,543 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5027% | 2,270 |
| Cost of funding earning assets | 1.6530% | 1,814 |
| Net interest margin | 3.8497% | 3,734 |
| Noninterest income to average assets | 0.6569% | 3,105 |
| Noninterest expense to average assets | 2.9755% | 3,944 |
| Loan and lease loss provision to assets | 0.6941% | 2,369 |
| Net operating income to assets | 0.4762% | 4,208 |
| Return on assets (ROA) | 0.5351% | 4,096 |
| Pretax return on assets | 0.6092% | 4,293 |
| Return on Equity (ROE) | 6.0095% | 3,603 |
| Retained earnings to average equity (ytd only) | 3.0422% | 3,721 |
| Net charge-offs to loans | 0.6365% | 3,111 |
| Credit loss provision to net charge-offs | 146.5079% | 2,511 |
| Earnings coverage of net charge-offs (x) | 2.6096% | 3,792 |
| Efficiency ratio | 70.6456% | 4,045 |
| Assets per employee ($millions) | 3.8586% | 4,115 |
| Cash dividends to net income (ytd only)* | 49.3768% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2691% | 1,744 |
| Loan loss allowance to noncurrent loans | 93.6170% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 2.1208% | 3,191 |
| Noncurrent loans to loans | 2.4238% | 3,093 |
| Net loans and leases to total assets | 71.4824% | 2,205 |
| Net loans and leases to deposits | 91.1702% | 1,377 |
| Net loans and leases to core deposits | 97.6764% | 1,826 |
| Total domestic deposits to total assets | 78.4054% | 6,237 |
| Equity capital to assets | 8.9791% | 5,170 |
| Core capital (leverage) ratio | 8.8281% | 4,807 |
| Tier 1 risk-based capital ratio | 12.3767% | 5,137 |
| Total risk-based capital ratio | 13.6394% | 5,099 |
| Memoranda: | ||
| Average total assets | $389,856,800 | 1,688 |
| Average earning assets | $360,002,000 | 1,664 |
| Average equity | $34,711,800 | 1,908 |
| Average total loans | $290,196,400 | 1,540 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5394% | 2,293 |
| Cost of funding earning assets | 1.7036% | 1,863 |
| Net interest margin | 3.8358% | 3,815 |
| Noninterest income to average assets | 0.6597% | 3,074 |
| Noninterest expense to average assets | 2.9560% | 3,901 |
| Loan and lease loss provision to assets | 0.6179% | 2,470 |
| Net operating income to assets | 0.5303% | 4,183 |
| Return on assets (ROA) | 0.5919% | 4,072 |
| Pretax return on assets | 0.6938% | 4,249 |
| Return on Equity (ROE) | 6.6624% | 3,504 |
| Retained earnings to average equity (ytd only) | 3.8527% | 3,751 |
| Net charge-offs to loans | 0.5416% | 3,134 |
| Credit loss provision to net charge-offs | 152.6182% | 2,537 |
| Earnings coverage of net charge-offs (x) | 3.0608% | 3,601 |
| Efficiency ratio | 70.4597% | 3,977 |
| Assets per employee ($millions) | 3.9636% | 3,911 |
| Cash dividends to net income (ytd only)* | 42.1722% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1657% | 1,866 |
| Loan loss allowance to noncurrent loans | 76.7204% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 2.3620% | 3,015 |
| Noncurrent loans to loans | 2.8228% | 2,828 |
| Net loans and leases to total assets | 71.0301% | 2,485 |
| Net loans and leases to deposits | 90.6898% | 1,626 |
| Net loans and leases to core deposits | 98.5939% | 1,981 |
| Total domestic deposits to total assets | 78.3220% | 6,190 |
| Equity capital to assets | 8.9225% | 5,679 |
| Core capital (leverage) ratio | 8.7769% | 5,050 |
| Tier 1 risk-based capital ratio | 12.2170% | 5,252 |
| Total risk-based capital ratio | 13.4783% | 5,211 |
| Memoranda: | ||
| Average total assets | $389,892,500 | 1,715 |
| Average earning assets | $359,377,500 | 1,690 |
| Average equity | $34,641,500 | 1,934 |
| Average total loans | $291,484,250 | 1,553 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6234% | 2,052 |
| Cost of funding earning assets | 1.7505% | 1,861 |
| Net interest margin | 3.8730% | 3,568 |
| Noninterest income to average assets | 0.6829% | 2,801 |
| Noninterest expense to average assets | 2.9721% | 3,819 |
| Loan and lease loss provision to assets | 0.6200% | 2,309 |
| Net operating income to assets | 0.5462% | 4,115 |
| Return on assets (ROA) | 0.6381% | 3,834 |
| Pretax return on assets | 0.7608% | 4,024 |
| Return on Equity (ROE) | 7.1918% | 3,218 |
| Retained earnings to average equity (ytd only) | 4.2848% | 3,353 |
| Net charge-offs to loans | 0.5944% | 2,742 |
| Credit loss provision to net charge-offs | 138.1609% | 2,901 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 3,568 |
| Efficiency ratio | 70.0377% | 4,187 |
| Assets per employee ($millions) | 3.7340% | 4,379 |
| Cash dividends to net income (ytd only)* | 40.4204% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0249% | 2,122 |
| Loan loss allowance to noncurrent loans | 90.6193% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 2.0187% | 3,479 |
| Noncurrent loans to loans | 2.2346% | 3,443 |
| Net loans and leases to total assets | 72.6232% | 2,250 |
| Net loans and leases to deposits | 93.6600% | 1,319 |
| Net loans and leases to core deposits | 102.8223% | 1,752 |
| Total domestic deposits to total assets | 77.5392% | 6,379 |
| Equity capital to assets | 8.8295% | 5,707 |
| Core capital (leverage) ratio | 8.7357% | 5,027 |
| Tier 1 risk-based capital ratio | 12.1405% | 5,178 |
| Total risk-based capital ratio | 13.4006% | 5,153 |
| Memoranda: | ||
| Average total assets | $387,738,000 | 1,739 |
| Average earning assets | $356,472,330 | 1,717 |
| Average equity | $34,400,330 | 1,942 |
| Average total loans | $292,724,330 | 1,561 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6274% | 2,044 |
| Cost of funding earning assets | 1.7958% | 1,893 |
| Net interest margin | 3.8316% | 3,663 |
| Noninterest income to average assets | 0.6828% | 2,721 |
| Noninterest expense to average assets | 2.9585% | 3,823 |
| Loan and lease loss provision to assets | 0.6276% | 2,023 |
| Net operating income to assets | 0.5473% | 4,149 |
| Return on assets (ROA) | 0.5473% | 4,282 |
| Pretax return on assets | 0.6265% | 4,502 |
| Return on Equity (ROE) | 6.1536% | 3,798 |
| Retained earnings to average equity (ytd only) | 2.0512% | 4,897 |
| Net charge-offs to loans | 0.3803% | 2,911 |
| Credit loss provision to net charge-offs | 216.5468% | 1,729 |
| Earnings coverage of net charge-offs (x) | 4.3273% | 2,659 |
| Efficiency ratio | 70.2301% | 4,258 |
| Assets per employee ($millions) | 3.8513% | 4,200 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0230% | 2,123 |
| Loan loss allowance to noncurrent loans | 99.6640% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 1.9340% | 3,578 |
| Noncurrent loans to loans | 2.0298% | 3,743 |
| Net loans and leases to total assets | 73.8713% | 2,002 |
| Net loans and leases to deposits | 97.9710% | 912 |
| Net loans and leases to core deposits | 108.4739% | 1,382 |
| Total domestic deposits to total assets | 75.4012% | 6,847 |
| Equity capital to assets | 8.8128% | 5,527 |
| Core capital (leverage) ratio | 8.8275% | 4,823 |
| Tier 1 risk-based capital ratio | 11.9968% | 5,198 |
| Total risk-based capital ratio | 13.2571% | 5,151 |
| Memoranda: | ||
| Average total assets | $383,702,500 | 1,800 |
| Average earning assets | $353,484,500 | 1,767 |
| Average equity | $34,126,500 | 1,980 |
| Average total loans | $292,391,500 | 1,609 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9492% | 2,051 |
| Cost of funding earning assets | 2.1397% | 2,279 |
| Net interest margin | 3.8095% | 3,662 |
| Noninterest income to average assets | 0.6744% | 3,121 |
| Noninterest expense to average assets | 3.0374% | 3,999 |
| Loan and lease loss provision to assets | 1.1917% | 1,933 |
| Net operating income to assets | 0.0770% | 5,274 |
| Return on assets (ROA) | 0.1901% | 5,001 |
| Pretax return on assets | 0.0875% | 5,250 |
| Return on Equity (ROE) | 2.2926% | 4,789 |
| Retained earnings to average equity (ytd only) | 0.0032% | 4,910 |
| Net charge-offs to loans | 0.9426% | 2,509 |
| Credit loss provision to net charge-offs | 162.7070% | 2,701 |
| Earnings coverage of net charge-offs (x) | 1.5922% | 4,548 |
| Efficiency ratio | 72.2574% | 4,227 |
| Assets per employee ($millions) | 3.6740% | 4,585 |
| Cash dividends to net income (ytd only)* | 99.8613% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9241% | 2,205 |
| Loan loss allowance to noncurrent loans | 86.0276% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 2.0128% | 3,379 |
| Noncurrent loans to loans | 2.2367% | 3,355 |
| Net loans and leases to total assets | 75.5490% | 1,909 |
| Net loans and leases to deposits | 104.8044% | 609 |
| Net loans and leases to core deposits | 132.5953% | 1,138 |
| Total domestic deposits to total assets | 72.0858% | 7,234 |
| Equity capital to assets | 8.9774% | 5,179 |
| Core capital (leverage) ratio | 8.9112% | 4,575 |
| Tier 1 risk-based capital ratio | 11.9591% | 4,977 |
| Total risk-based capital ratio | 13.2180% | 4,925 |
| Memoranda: | ||
| Average total assets | $379,276,400 | 1,802 |
| Average earning assets | $351,359,200 | 1,779 |
| Average equity | $31,448,800 | 2,129 |
| Average total loans | $294,713,600 | 1,630 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9696% | 2,154 |
| Cost of funding earning assets | 2.2004% | 2,416 |
| Net interest margin | 3.7693% | 3,779 |
| Noninterest income to average assets | 0.6735% | 3,191 |
| Noninterest expense to average assets | 3.0718% | 3,762 |
| Loan and lease loss provision to assets | 0.9841% | 1,945 |
| Net operating income to assets | 0.1852% | 5,208 |
| Return on assets (ROA) | 0.2663% | 5,018 |
| Pretax return on assets | 0.2034% | 5,298 |
| Return on Equity (ROE) | 3.2794% | 4,670 |
| Retained earnings to average equity (ytd only) | 0.1644% | 5,131 |
| Net charge-offs to loans | 1.0192% | 1,935 |
| Credit loss provision to net charge-offs | 123.9929% | 4,068 |
| Earnings coverage of net charge-offs (x) | 1.3940% | 4,740 |
| Efficiency ratio | 73.5200% | 3,951 |
| Assets per employee ($millions) | 3.6752% | 4,487 |
| Cash dividends to net income (ytd only)* | 94.9873% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 3,463 |
| Loan loss allowance to noncurrent loans | 74.3300% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.7773% | 3,690 |
| Noncurrent loans to loans | 2.0143% | 3,621 |
| Net loans and leases to total assets | 76.6441% | 1,861 |
| Net loans and leases to deposits | 106.4209% | 631 |
| Net loans and leases to core deposits | 133.8879% | 1,218 |
| Total domestic deposits to total assets | 72.0198% | 7,208 |
| Equity capital to assets | 8.6891% | 5,970 |
| Core capital (leverage) ratio | 8.5124% | 5,468 |
| Tier 1 risk-based capital ratio | 11.4022% | 5,533 |
| Total risk-based capital ratio | 12.6520% | 5,477 |
| Memoranda: | ||
| Average total assets | $379,488,750 | 1,816 |
| Average earning assets | $352,843,000 | 1,784 |
| Average equity | $30,817,750 | 2,201 |
| Average total loans | $295,515,250 | 1,643 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9804% | 2,264 |
| Cost of funding earning assets | 2.2908% | 2,388 |
| Net interest margin | 3.6896% | 3,995 |
| Noninterest income to average assets | 0.7736% | 2,564 |
| Noninterest expense to average assets | 3.1084% | 3,664 |
| Loan and lease loss provision to assets | 0.9884% | 1,703 |
| Net operating income to assets | 0.1622% | 5,384 |
| Return on assets (ROA) | 0.2601% | 5,144 |
| Pretax return on assets | 0.1985% | 5,470 |
| Return on Equity (ROE) | 3.2795% | 4,794 |
| Retained earnings to average equity (ytd only) | 0.8232% | 4,859 |
| Net charge-offs to loans | 1.3994% | 1,342 |
| Credit loss provision to net charge-offs | 90.6763% | 4,900 |
| Earnings coverage of net charge-offs (x) | 0.9990% | 4,788 |
| Efficiency ratio | 74.0560% | 4,026 |
| Assets per employee ($millions) | 3.7136% | 4,289 |
| Cash dividends to net income (ytd only)* | 74.8988% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 4,644 |
| Loan loss allowance to noncurrent loans | 54.3893% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 2.0275% | 3,164 |
| Noncurrent loans to loans | 2.2886% | 3,151 |
| Net loans and leases to total assets | 76.9526% | 1,957 |
| Net loans and leases to deposits | 109.9022% | 554 |
| Net loans and leases to core deposits | 142.8730% | 894 |
| Total domestic deposits to total assets | 70.0192% | 7,472 |
| Equity capital to assets | 8.6246% | 5,861 |
| Core capital (leverage) ratio | 8.4957% | 5,457 |
| Tier 1 risk-based capital ratio | 11.3371% | 5,561 |
| Total risk-based capital ratio | 12.5602% | 5,486 |
| Memoranda: | ||
| Average total assets | $379,804,000 | 1,828 |
| Average earning assets | $352,451,000 | 1,806 |
| Average equity | $30,126,330 | 2,254 |
| Average total loans | $295,840,000 | 1,676 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0097% | 2,322 |
| Cost of funding earning assets | 2.3748% | 2,395 |
| Net interest margin | 3.6349% | 4,168 |
| Noninterest income to average assets | 0.7373% | 2,671 |
| Noninterest expense to average assets | 3.1143% | 3,324 |
| Loan and lease loss provision to assets | 0.6363% | 1,981 |
| Net operating income to assets | 0.3127% | 5,254 |
| Return on assets (ROA) | 0.4859% | 4,679 |
| Pretax return on assets | 0.5459% | 4,931 |
| Return on Equity (ROE) | 6.4044% | 3,858 |
| Retained earnings to average equity (ytd only) | 3.3547% | 4,016 |
| Net charge-offs to loans | 1.0061% | 1,337 |
| Credit loss provision to net charge-offs | 81.2081% | 4,171 |
| Earnings coverage of net charge-offs (x) | 1.2604% | 4,111 |
| Efficiency ratio | 75.9231% | 3,506 |
| Assets per employee ($millions) | 3.6698% | 4,403 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 4,370 |
| Loan loss allowance to noncurrent loans | 48.4215% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 2.1639% | 2,649 |
| Noncurrent loans to loans | 2.5946% | 2,542 |
| Net loans and leases to total assets | 76.7489% | 2,102 |
| Net loans and leases to deposits | 107.4371% | 761 |
| Net loans and leases to core deposits | 136.8345% | 1,254 |
| Total domestic deposits to total assets | 71.4361% | 7,284 |
| Equity capital to assets | 7.5957% | 7,267 |
| Core capital (leverage) ratio | 7.5959% | 7,031 |
| Tier 1 risk-based capital ratio | 9.9855% | 6,942 |
| Total risk-based capital ratio | 11.2357% | 6,843 |
| Memoranda: | ||
| Average total assets | $380,311,500 | 1,840 |
| Average earning assets | $352,033,000 | 1,820 |
| Average equity | $28,855,000 | 2,358 |
| Average total loans | $296,179,000 | 1,682 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6307% | 2,337 |
| Cost of funding earning assets | 2.8014% | 2,704 |
| Net interest margin | 3.8293% | 3,896 |
| Noninterest income to average assets | 0.8409% | 2,292 |
| Noninterest expense to average assets | 3.0185% | 4,019 |
| Loan and lease loss provision to assets | 0.8296% | 1,797 |
| Net operating income to assets | 0.4616% | 4,899 |
| Return on assets (ROA) | 0.5012% | 4,573 |
| Pretax return on assets | 0.6063% | 4,672 |
| Return on Equity (ROE) | 6.3859% | 3,803 |
| Retained earnings to average equity (ytd only) | 0.2027% | 5,110 |
| Net charge-offs to loans | 0.6528% | 1,900 |
| Credit loss provision to net charge-offs | 163.2361% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.7316% | 4,717 |
| Efficiency ratio | 68.4980% | 4,633 |
| Assets per employee ($millions) | 3.6438% | 4,304 |
| Cash dividends to net income (ytd only)* | 96.8263% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 3,724 |
| Loan loss allowance to noncurrent loans | 47.1068% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 2.2356% | 2,180 |
| Noncurrent loans to loans | 2.7760% | 1,959 |
| Net loans and leases to total assets | 77.0112% | 2,375 |
| Net loans and leases to deposits | 110.8494% | 777 |
| Net loans and leases to core deposits | 136.4846% | 1,464 |
| Total domestic deposits to total assets | 69.4737% | 7,334 |
| Equity capital to assets | 7.5787% | 7,321 |
| Core capital (leverage) ratio | 7.5903% | 7,086 |
| Tier 1 risk-based capital ratio | 10.1189% | 6,613 |
| Total risk-based capital ratio | 11.3702% | 6,469 |
| Memoranda: | ||
| Average total assets | $370,911,600 | 1,812 |
| Average earning assets | $345,394,000 | 1,793 |
| Average equity | $29,111,200 | 2,325 |
| Average total loans | $288,769,200 | 1,676 |