Home > Main Street Bank Corp. > Performance and Condition Ratios
Main Street Bank Corp., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7426% | 2,589 |
| Cost of funding earning assets | 1.1944% | 2,820 |
| Net interest margin | 3.5482% | 2,073 |
| Noninterest income to average assets | -0.0800% | 4,585 |
| Noninterest expense to average assets | 1.9983% | 3,642 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9753% | 2,294 |
| Return on assets (ROA) | 0.9753% | 2,279 |
| Pretax return on assets | 1.2536% | 1,998 |
| Return on Equity (ROE) | 10.7800% | 2,285 |
| Retained earnings to average equity (ytd only) | 8.0428% | 1,523 |
| Net charge-offs to loans | 0.1270% | 775 |
| Credit loss provision to net charge-offs | 18.9036% | 2,317 |
| Earnings coverage of net charge-offs (x) | 14.4537% | 2,078 |
| Efficiency ratio | 61.1385% | 2,955 |
| Assets per employee ($millions) | 7.8412% | 1,519 |
| Cash dividends to net income (ytd only)* | 25.3790% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 1,329 |
| Loan loss allowance to noncurrent loans | 96.4360% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 1.0410% | 464 |
| Noncurrent loans to loans | 1.4682% | 472 |
| Net loans and leases to total assets | 69.9000% | 1,820 |
| Net loans and leases to deposits | 87.7974% | 1,451 |
| Net loans and leases to core deposits | 100.4269% | 1,405 |
| Total domestic deposits to total assets | 79.6100% | 3,522 |
| Equity capital to assets | 9.4927% | 2,351 |
| Core capital (leverage) ratio | 10.2574% | 2,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $601,964,400 | 1,474 |
| Average earning assets | $568,256,200 | 1,444 |
| Average equity | $54,470,800 | 1,502 |
| Average total loans | $416,534,600 | 1,435 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 2,550 |
| Cost of funding earning assets | 1.0315% | 2,947 |
| Net interest margin | 3.6311% | 1,922 |
| Noninterest income to average assets | -0.1900% | 4,620 |
| Noninterest expense to average assets | 1.9566% | 3,695 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.9376% | 2,554 |
| Return on assets (ROA) | 0.9376% | 2,543 |
| Pretax return on assets | 1.2156% | 2,258 |
| Return on Equity (ROE) | 10.4900% | 2,504 |
| Retained earnings to average equity (ytd only) | 7.7801% | 2,043 |
| Net charge-offs to loans | 0.1238% | 655 |
| Credit loss provision to net charge-offs | 78.1250% | 1,764 |
| Earnings coverage of net charge-offs (x) | 15.0625% | 1,976 |
| Efficiency ratio | 60.4134% | 2,918 |
| Assets per employee ($millions) | 7.6596% | 1,537 |
| Cash dividends to net income (ytd only)* | 25.8392% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 1,014 |
| Loan loss allowance to noncurrent loans | 103.0401% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.0851% | 454 |
| Noncurrent loans to loans | 1.4934% | 489 |
| Net loans and leases to total assets | 69.5000% | 1,887 |
| Net loans and leases to deposits | 86.1604% | 1,553 |
| Net loans and leases to core deposits | 97.3428% | 1,487 |
| Total domestic deposits to total assets | 80.6600% | 3,437 |
| Equity capital to assets | 9.2966% | 2,226 |
| Core capital (leverage) ratio | 10.1565% | 2,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $601,512,500 | 1,473 |
| Average earning assets | $567,824,000 | 1,446 |
| Average equity | $53,760,000 | 1,512 |
| Average total loans | $413,648,000 | 1,437 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6134% | 2,392 |
| Cost of funding earning assets | 0.8516% | 3,070 |
| Net interest margin | 3.7619% | 1,697 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.9702% | 3,656 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.2193% | 1,775 |
| Return on assets (ROA) | 1.2193% | 1,767 |
| Pretax return on assets | 1.5801% | 1,447 |
| Return on Equity (ROE) | 13.8200% | 1,721 |
| Retained earnings to average equity (ytd only) | 11.2203% | 1,144 |
| Net charge-offs to loans | 0.1904% | 419 |
| Credit loss provision to net charge-offs | 76.3359% | 1,568 |
| Earnings coverage of net charge-offs (x) | 12.9338% | 1,921 |
| Efficiency ratio | 53.9875% | 3,610 |
| Assets per employee ($millions) | 7.6582% | 1,502 |
| Cash dividends to net income (ytd only)* | 18.8296% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 1,095 |
| Loan loss allowance to noncurrent loans | 70.0350% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.5561% | 225 |
| Noncurrent loans to loans | 2.1829% | 233 |
| Net loans and leases to total assets | 68.9800% | 1,856 |
| Net loans and leases to deposits | 83.5257% | 1,716 |
| Net loans and leases to core deposits | 93.2545% | 1,611 |
| Total domestic deposits to total assets | 82.5800% | 3,124 |
| Equity capital to assets | 9.1599% | 2,404 |
| Core capital (leverage) ratio | 9.9636% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $605,420,667 | 1,463 |
| Average earning assets | $571,897,333 | 1,435 |
| Average equity | $53,403,333 | 1,520 |
| Average total loans | $412,763,667 | 1,424 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 2,246 |
| Cost of funding earning assets | 0.6304% | 3,289 |
| Net interest margin | 3.9008% | 1,486 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 2.0300% | 3,558 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.2805% | 1,723 |
| Return on assets (ROA) | 1.2805% | 1,694 |
| Pretax return on assets | 1.6552% | 1,361 |
| Return on Equity (ROE) | 14.8000% | 1,595 |
| Retained earnings to average equity (ytd only) | 12.1561% | 1,237 |
| Net charge-offs to loans | -0.0361% | 4,274 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.6513% | 3,637 |
| Assets per employee ($millions) | 7.8801% | 1,414 |
| Cash dividends to net income (ytd only)* | 17.8370% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 971 |
| Loan loss allowance to noncurrent loans | 77.3876% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.4102% | 241 |
| Noncurrent loans to loans | 2.0974% | 261 |
| Net loans and leases to total assets | 65.8400% | 2,074 |
| Net loans and leases to deposits | 77.6463% | 1,990 |
| Net loans and leases to core deposits | 86.5548% | 1,833 |
| Total domestic deposits to total assets | 84.7900% | 2,909 |
| Equity capital to assets | 8.7786% | 2,678 |
| Core capital (leverage) ratio | 9.8410% | 2,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $609,460,000 | 1,476 |
| Average earning assets | $576,808,500 | 1,453 |
| Average equity | $52,747,000 | 1,546 |
| Average total loans | $409,932,500 | 1,450 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8463% | 2,150 |
| Cost of funding earning assets | 0.4571% | 1,671 |
| Net interest margin | 3.3892% | 2,293 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.9804% | 3,633 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.9634% | 2,706 |
| Return on assets (ROA) | 0.9609% | 2,665 |
| Pretax return on assets | 1.2112% | 2,401 |
| Return on Equity (ROE) | 11.2700% | 2,389 |
| Retained earnings to average equity (ytd only) | 7.4791% | 2,033 |
| Net charge-offs to loans | 0.1838% | 450 |
| Credit loss provision to net charge-offs | 134.7709% | 1,373 |
| Earnings coverage of net charge-offs (x) | 11.1671% | 2,161 |
| Efficiency ratio | 58.9151% | 3,201 |
| Assets per employee ($millions) | 7.5535% | 1,583 |
| Cash dividends to net income (ytd only)* | 33.6167% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5887% | 996 |
| Loan loss allowance to noncurrent loans | 68.6337% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.5789% | 191 |
| Noncurrent loans to loans | 2.3148% | 214 |
| Net loans and leases to total assets | 66.5300% | 1,975 |
| Net loans and leases to deposits | 77.1199% | 2,026 |
| Net loans and leases to core deposits | 84.9099% | 1,826 |
| Total domestic deposits to total assets | 86.2700% | 2,651 |
| Equity capital to assets | 8.5287% | 2,688 |
| Core capital (leverage) ratio | 9.6182% | 3,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $599,978,200 | 1,481 |
| Average earning assets | $569,216,400 | 1,454 |
| Average equity | $51,169,000 | 1,591 |
| Average total loans | $403,774,200 | 1,384 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6923% | 2,070 |
| Cost of funding earning assets | 0.4488% | 983 |
| Net interest margin | 3.2436% | 2,480 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.9150% | 3,716 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.8952% | 2,881 |
| Return on assets (ROA) | 0.8918% | 2,880 |
| Pretax return on assets | 1.1588% | 2,527 |
| Return on Equity (ROE) | 10.4600% | 2,587 |
| Retained earnings to average equity (ytd only) | 6.8287% | 2,434 |
| Net charge-offs to loans | 0.1222% | 517 |
| Credit loss provision to net charge-offs | 121.9512% | 1,213 |
| Earnings coverage of net charge-offs (x) | 15.3767% | 1,845 |
| Efficiency ratio | 60.2550% | 3,084 |
| Assets per employee ($millions) | 7.6528% | 1,516 |
| Cash dividends to net income (ytd only)* | 34.6980% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 1,138 |
| Loan loss allowance to noncurrent loans | 60.8365% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.7320% | 177 |
| Noncurrent loans to loans | 2.5719% | 201 |
| Net loans and leases to total assets | 65.6900% | 1,919 |
| Net loans and leases to deposits | 76.3882% | 1,843 |
| Net loans and leases to core deposits | 84.2236% | 1,635 |
| Total domestic deposits to total assets | 86.0000% | 3,070 |
| Equity capital to assets | 8.2846% | 2,695 |
| Core capital (leverage) ratio | 9.3785% | 3,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $598,903,750 | 1,492 |
| Average earning assets | $568,949,250 | 1,456 |
| Average equity | $51,077,000 | 1,620 |
| Average total loans | $402,591,000 | 1,375 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5811% | 1,901 |
| Cost of funding earning assets | 0.4504% | 691 |
| Net interest margin | 3.1307% | 2,435 |
| Noninterest income to average assets | 0.0945% | 4,510 |
| Noninterest expense to average assets | 1.8901% | 3,728 |
| Loan and lease loss provision to assets | 0.1005% | 995 |
| Net operating income to assets | 0.8308% | 2,848 |
| Return on assets (ROA) | 0.8258% | 2,838 |
| Pretax return on assets | 1.0737% | 2,502 |
| Return on Equity (ROE) | 9.5901% | 2,489 |
| Retained earnings to average equity (ytd only) | 5.5323% | 2,497 |
| Net charge-offs to loans | 0.0507% | 885 |
| Credit loss provision to net charge-offs | 294.1176% | 805 |
| Earnings coverage of net charge-offs (x) | 34.5490% | 1,334 |
| Efficiency ratio | 61.5536% | 3,099 |
| Assets per employee ($millions) | 7.3726% | 1,685 |
| Cash dividends to net income (ytd only)* | 42.3124% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6007% | 1,153 |
| Loan loss allowance to noncurrent loans | 53.2329% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 2.0561% | 135 |
| Noncurrent loans to loans | 3.0070% | 166 |
| Net loans and leases to total assets | 67.0164% | 1,582 |
| Net loans and leases to deposits | 76.9425% | 1,616 |
| Net loans and leases to core deposits | 85.2067% | 1,384 |
| Total domestic deposits to total assets | 87.0994% | 2,906 |
| Equity capital to assets | 8.5421% | 2,730 |
| Core capital (leverage) ratio | 9.2958% | 3,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $597,015,667 | 1,500 |
| Average earning assets | $567,533,000 | 1,476 |
| Average equity | $51,407,333 | 1,646 |
| Average total loans | $402,294,000 | 1,368 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5443% | 1,659 |
| Cost of funding earning assets | 0.4574% | 625 |
| Net interest margin | 3.0869% | 2,215 |
| Noninterest income to average assets | 0.0952% | 4,527 |
| Noninterest expense to average assets | 1.8461% | 3,822 |
| Loan and lease loss provision to assets | 0.0999% | 838 |
| Net operating income to assets | 0.8305% | 2,554 |
| Return on assets (ROA) | 0.8205% | 2,585 |
| Pretax return on assets | 1.0716% | 2,230 |
| Return on Equity (ROE) | 9.4915% | 2,155 |
| Retained earnings to average equity (ytd only) | 9.4915% | 1,148 |
| Net charge-offs to loans | 0.1312% | 430 |
| Credit loss provision to net charge-offs | 113.6364% | 951 |
| Earnings coverage of net charge-offs (x) | 13.4697% | 1,392 |
| Efficiency ratio | 60.9231% | 3,382 |
| Assets per employee ($millions) | 7.4297% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 1,390 |
| Loan loss allowance to noncurrent loans | 61.6189% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.7065% | 195 |
| Noncurrent loans to loans | 2.5245% | 238 |
| Net loans and leases to total assets | 66.5473% | 1,359 |
| Net loans and leases to deposits | 76.4727% | 1,401 |
| Net loans and leases to core deposits | 84.7966% | 1,202 |
| Total domestic deposits to total assets | 87.0209% | 2,919 |
| Equity capital to assets | 8.6547% | 3,020 |
| Core capital (leverage) ratio | 9.1903% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $600,619,500 | 1,500 |
| Average earning assets | $571,056,500 | 1,476 |
| Average equity | $51,920,000 | 1,681 |
| Average total loans | $402,592,000 | 1,363 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9864% | 1,388 |
| Cost of funding earning assets | 0.5800% | 603 |
| Net interest margin | 3.4064% | 2,004 |
| Noninterest income to average assets | 0.0883% | 4,645 |
| Noninterest expense to average assets | 1.9135% | 3,896 |
| Loan and lease loss provision to assets | 0.1083% | 1,167 |
| Net operating income to assets | 0.9948% | 2,696 |
| Return on assets (ROA) | 0.9939% | 2,764 |
| Pretax return on assets | 1.3080% | 2,331 |
| Return on Equity (ROE) | 10.8939% | 2,201 |
| Retained earnings to average equity (ytd only) | 8.1442% | 1,480 |
| Net charge-offs to loans | 0.0942% | 892 |
| Credit loss provision to net charge-offs | 159.5745% | 1,455 |
| Earnings coverage of net charge-offs (x) | 20.8856% | 1,840 |
| Efficiency ratio | 57.4478% | 3,530 |
| Assets per employee ($millions) | 7.4922% | 1,624 |
| Cash dividends to net income (ytd only)* | 25.2406% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 1,409 |
| Loan loss allowance to noncurrent loans | 63.2177% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.6244% | 247 |
| Noncurrent loans to loans | 2.4438% | 277 |
| Net loans and leases to total assets | 65.4449% | 1,538 |
| Net loans and leases to deposits | 75.9827% | 1,571 |
| Net loans and leases to core deposits | 85.2365% | 1,245 |
| Total domestic deposits to total assets | 86.1314% | 2,856 |
| Equity capital to assets | 8.6344% | 3,953 |
| Core capital (leverage) ratio | 9.1249% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $554,052,800 | 1,561 |
| Average earning assets | $527,423,400 | 1,524 |
| Average equity | $50,551,400 | 1,749 |
| Average total loans | $399,223,400 | 1,376 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0716% | 1,368 |
| Cost of funding earning assets | 0.6023% | 634 |
| Net interest margin | 3.4693% | 1,957 |
| Noninterest income to average assets | 0.0846% | 4,725 |
| Noninterest expense to average assets | 1.9697% | 3,764 |
| Loan and lease loss provision to assets | 0.1109% | 1,090 |
| Net operating income to assets | 0.9945% | 2,934 |
| Return on assets (ROA) | 0.9945% | 3,006 |
| Pretax return on assets | 1.3068% | 2,608 |
| Return on Equity (ROE) | 10.7378% | 2,466 |
| Retained earnings to average equity (ytd only) | 7.0379% | 2,404 |
| Net charge-offs to loans | -0.0044% | 3,391 |
| Credit loss provision to net charge-offs | -3,461.5385% | 4,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1472% | 3,239 |
| Assets per employee ($millions) | 7.8498% | 1,340 |
| Cash dividends to net income (ytd only)* | 34.4571% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6231% | 1,278 |
| Loan loss allowance to noncurrent loans | 67.5117% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.6959% | 259 |
| Noncurrent loans to loans | 2.4041% | 322 |
| Net loans and leases to total assets | 69.3957% | 1,149 |
| Net loans and leases to deposits | 80.6549% | 1,227 |
| Net loans and leases to core deposits | 91.5016% | 946 |
| Total domestic deposits to total assets | 86.0402% | 2,732 |
| Equity capital to assets | 9.1110% | 3,731 |
| Core capital (leverage) ratio | 9.1846% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $540,849,500 | 1,604 |
| Average earning assets | $514,905,000 | 1,570 |
| Average equity | $50,089,500 | 1,776 |
| Average total loans | $398,180,500 | 1,412 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 1,539 |
| Cost of funding earning assets | 0.6205% | 671 |
| Net interest margin | 3.3925% | 2,161 |
| Noninterest income to average assets | 0.0882% | 4,737 |
| Noninterest expense to average assets | 1.9680% | 3,790 |
| Loan and lease loss provision to assets | 0.1126% | 1,123 |
| Net operating income to assets | 0.9408% | 3,088 |
| Return on assets (ROA) | 0.9408% | 3,170 |
| Pretax return on assets | 1.2363% | 2,814 |
| Return on Equity (ROE) | 10.1005% | 2,708 |
| Retained earnings to average equity (ytd only) | 4.4981% | 3,363 |
| Net charge-offs to loans | 0.0317% | 1,336 |
| Credit loss provision to net charge-offs | 476.1905% | 697 |
| Earnings coverage of net charge-offs (x) | 57.0317% | 993 |
| Efficiency ratio | 59.3322% | 3,109 |
| Assets per employee ($millions) | 7.6993% | 1,362 |
| Cash dividends to net income (ytd only)* | 55.4669% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 1,438 |
| Loan loss allowance to noncurrent loans | 64.9709% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.7419% | 277 |
| Noncurrent loans to loans | 2.3776% | 361 |
| Net loans and leases to total assets | 71.8008% | 996 |
| Net loans and leases to deposits | 83.3430% | 1,105 |
| Net loans and leases to core deposits | 95.1726% | 846 |
| Total domestic deposits to total assets | 86.1510% | 2,685 |
| Equity capital to assets | 8.9979% | 3,801 |
| Core capital (leverage) ratio | 9.1876% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $532,736,667 | 1,616 |
| Average earning assets | $506,995,333 | 1,588 |
| Average equity | $49,621,333 | 1,780 |
| Average total loans | $398,011,667 | 1,416 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 1,452 |
| Cost of funding earning assets | 0.6482% | 704 |
| Net interest margin | 3.4228% | 2,047 |
| Noninterest income to average assets | 0.0989% | 4,691 |
| Noninterest expense to average assets | 2.0148% | 3,675 |
| Loan and lease loss provision to assets | 0.1150% | 1,196 |
| Net operating income to assets | 0.9314% | 3,046 |
| Return on assets (ROA) | 0.9350% | 3,103 |
| Pretax return on assets | 1.2316% | 2,757 |
| Return on Equity (ROE) | 9.8602% | 2,746 |
| Retained earnings to average equity (ytd only) | 9.8602% | 1,696 |
| Net charge-offs to loans | 0.0253% | 1,247 |
| Credit loss provision to net charge-offs | 600.0000% | 549 |
| Earnings coverage of net charge-offs (x) | 70.0400% | 756 |
| Efficiency ratio | 60.0228% | 3,030 |
| Assets per employee ($millions) | 7.4073% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 1,415 |
| Loan loss allowance to noncurrent loans | 63.4164% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.8313% | 301 |
| Noncurrent loans to loans | 2.4458% | 384 |
| Net loans and leases to total assets | 72.9916% | 898 |
| Net loans and leases to deposits | 85.6020% | 986 |
| Net loans and leases to core deposits | 98.7026% | 767 |
| Total domestic deposits to total assets | 85.2685% | 3,006 |
| Equity capital to assets | 9.3599% | 3,318 |
| Core capital (leverage) ratio | 9.7856% | 2,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $521,930,000 | 1,630 |
| Average earning assets | $496,791,000 | 1,599 |
| Average equity | $49,492,000 | 1,778 |
| Average total loans | $394,881,000 | 1,432 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 1,401 |
| Cost of funding earning assets | 0.9195% | 807 |
| Net interest margin | 3.5444% | 2,328 |
| Noninterest income to average assets | 0.0887% | 4,774 |
| Noninterest expense to average assets | 2.1577% | 3,794 |
| Loan and lease loss provision to assets | 0.1204% | 2,860 |
| Net operating income to assets | 0.9071% | 2,662 |
| Return on assets (ROA) | 0.9075% | 2,796 |
| Pretax return on assets | 1.1913% | 2,351 |
| Return on Equity (ROE) | 9.5423% | 2,185 |
| Retained earnings to average equity (ytd only) | 6.3763% | 1,640 |
| Net charge-offs to loans | -0.0537% | 4,683 |
| Credit loss provision to net charge-offs | -289.8551% | 3,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1998% | 3,089 |
| Assets per employee ($millions) | 7.0908% | 1,522 |
| Cash dividends to net income (ytd only)* | 33.1785% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 1,501 |
| Loan loss allowance to noncurrent loans | 70.0315% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.6990% | 389 |
| Noncurrent loans to loans | 2.1755% | 502 |
| Net loans and leases to total assets | 76.0651% | 783 |
| Net loans and leases to deposits | 89.8799% | 935 |
| Net loans and leases to core deposits | 105.7652% | 650 |
| Total domestic deposits to total assets | 84.6296% | 2,905 |
| Equity capital to assets | 9.6105% | 3,500 |
| Core capital (leverage) ratio | 9.6224% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $498,205,200 | 1,557 |
| Average earning assets | $475,140,800 | 1,521 |
| Average equity | $47,378,400 | 1,780 |
| Average total loans | $385,191,400 | 1,408 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 1,543 |
| Cost of funding earning assets | 0.9759% | 832 |
| Net interest margin | 3.5346% | 2,476 |
| Noninterest income to average assets | 0.0627% | 4,869 |
| Noninterest expense to average assets | 2.1974% | 3,685 |
| Loan and lease loss provision to assets | 0.1212% | 2,817 |
| Net operating income to assets | 0.8533% | 2,895 |
| Return on assets (ROA) | 0.8550% | 3,017 |
| Pretax return on assets | 1.1170% | 2,687 |
| Return on Equity (ROE) | 9.0152% | 2,390 |
| Retained earnings to average equity (ytd only) | 4.7560% | 2,666 |
| Net charge-offs to loans | -0.0742% | 4,768 |
| Credit loss provision to net charge-offs | -211.2676% | 3,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0000% | 2,732 |
| Assets per employee ($millions) | 6.8219% | 1,610 |
| Cash dividends to net income (ytd only)* | 47.2441% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 1,403 |
| Loan loss allowance to noncurrent loans | 85.1336% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.4266% | 626 |
| Noncurrent loans to loans | 1.7536% | 767 |
| Net loans and leases to total assets | 75.6241% | 1,142 |
| Net loans and leases to deposits | 89.0486% | 1,364 |
| Net loans and leases to core deposits | 104.5650% | 898 |
| Total domestic deposits to total assets | 84.9246% | 2,476 |
| Equity capital to assets | 9.3511% | 3,820 |
| Core capital (leverage) ratio | 9.2514% | 3,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $495,123,000 | 1,543 |
| Average earning assets | $472,153,750 | 1,510 |
| Average equity | $46,956,750 | 1,779 |
| Average total loans | $382,902,750 | 1,409 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,654 |
| Cost of funding earning assets | 1.0222% | 921 |
| Net interest margin | 3.5716% | 2,572 |
| Noninterest income to average assets | 0.0535% | 4,904 |
| Noninterest expense to average assets | 2.2070% | 3,760 |
| Loan and lease loss provision to assets | 0.1225% | 2,806 |
| Net operating income to assets | 0.8680% | 2,813 |
| Return on assets (ROA) | 0.8664% | 2,936 |
| Pretax return on assets | 1.1303% | 2,619 |
| Return on Equity (ROE) | 9.0911% | 2,324 |
| Retained earnings to average equity (ytd only) | 2.6618% | 3,521 |
| Net charge-offs to loans | -0.0037% | 3,925 |
| Credit loss provision to net charge-offs | -4,285.7143% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7522% | 2,856 |
| Assets per employee ($millions) | 6.9686% | 1,451 |
| Cash dividends to net income (ytd only)* | 70.7214% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 1,461 |
| Loan loss allowance to noncurrent loans | 81.3710% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.3507% | 744 |
| Noncurrent loans to loans | 1.7655% | 801 |
| Net loans and leases to total assets | 73.2831% | 1,511 |
| Net loans and leases to deposits | 87.8491% | 1,575 |
| Net loans and leases to core deposits | 104.6205% | 964 |
| Total domestic deposits to total assets | 83.4193% | 2,955 |
| Equity capital to assets | 9.0784% | 4,012 |
| Core capital (leverage) ratio | 9.3195% | 3,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $489,617,000 | 1,530 |
| Average earning assets | $467,243,000 | 1,491 |
| Average equity | $46,661,000 | 1,776 |
| Average total loans | $379,607,667 | 1,396 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8300% | 1,348 |
| Cost of funding earning assets | 1.0952% | 1,060 |
| Net interest margin | 3.7347% | 2,201 |
| Noninterest income to average assets | 0.0353% | 4,997 |
| Noninterest expense to average assets | 2.2955% | 3,781 |
| Loan and lease loss provision to assets | 0.1259% | 2,132 |
| Net operating income to assets | 0.8572% | 2,674 |
| Return on assets (ROA) | 0.7159% | 3,302 |
| Pretax return on assets | 0.9954% | 2,857 |
| Return on Equity (ROE) | 7.3244% | 2,816 |
| Retained earnings to average equity (ytd only) | 7.3244% | 1,437 |
| Net charge-offs to loans | 0.0042% | 2,426 |
| Credit loss provision to net charge-offs | 3,750.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 387.2500% | 177 |
| Efficiency ratio | 63.8422% | 3,256 |
| Assets per employee ($millions) | 6.3243% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 1,610 |
| Loan loss allowance to noncurrent loans | 81.3232% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.4125% | 787 |
| Noncurrent loans to loans | 1.7522% | 861 |
| Net loans and leases to total assets | 76.9586% | 1,140 |
| Net loans and leases to deposits | 93.3072% | 1,147 |
| Net loans and leases to core deposits | 112.8864% | 715 |
| Total domestic deposits to total assets | 82.4787% | 3,269 |
| Equity capital to assets | 9.7840% | 3,970 |
| Core capital (leverage) ratio | 9.9593% | 3,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $476,587,000 | 1,515 |
| Average earning assets | $454,328,500 | 1,483 |
| Average equity | $46,584,000 | 1,774 |
| Average total loans | $377,705,500 | 1,361 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0991% | 1,217 |
| Cost of funding earning assets | 1.0710% | 1,432 |
| Net interest margin | 4.0281% | 1,760 |
| Noninterest income to average assets | 0.0781% | 4,977 |
| Noninterest expense to average assets | 2.2574% | 4,051 |
| Loan and lease loss provision to assets | 0.1479% | 1,448 |
| Net operating income to assets | 1.1498% | 2,256 |
| Return on assets (ROA) | 1.1498% | 2,355 |
| Pretax return on assets | 1.5102% | 1,778 |
| Return on Equity (ROE) | 12.0099% | 1,509 |
| Retained earnings to average equity (ytd only) | 9.1601% | 674 |
| Net charge-offs to loans | 0.2300% | 887 |
| Credit loss provision to net charge-offs | 77.3090% | 2,831 |
| Earnings coverage of net charge-offs (x) | 8.6682% | 2,745 |
| Efficiency ratio | 57.6537% | 4,017 |
| Assets per employee ($millions) | 6.3856% | 1,363 |
| Cash dividends to net income (ytd only)* | 23.7291% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 1,636 |
| Loan loss allowance to noncurrent loans | 69.8590% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.6939% | 547 |
| Noncurrent loans to loans | 1.9583% | 661 |
| Net loans and leases to total assets | 79.3529% | 882 |
| Net loans and leases to deposits | 97.3806% | 809 |
| Net loans and leases to core deposits | 118.2272% | 533 |
| Total domestic deposits to total assets | 81.4874% | 3,647 |
| Equity capital to assets | 9.7649% | 4,137 |
| Core capital (leverage) ratio | 9.9655% | 3,558 |
| Tier 1 risk-based capital ratio | 13.8072% | 3,360 |
| Total risk-based capital ratio | 15.0608% | 3,269 |
| Memoranda: | ||
| Average total assets | $458,497,400 | 1,521 |
| Average earning assets | $436,784,000 | 1,488 |
| Average equity | $43,897,000 | 1,796 |
| Average total loans | $381,303,000 | 1,321 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 1,332 |
| Cost of funding earning assets | 1.0580% | 1,510 |
| Net interest margin | 4.0204% | 1,868 |
| Noninterest income to average assets | 0.0715% | 5,069 |
| Noninterest expense to average assets | 2.2828% | 3,996 |
| Loan and lease loss provision to assets | 0.1978% | 892 |
| Net operating income to assets | 1.0784% | 2,657 |
| Return on assets (ROA) | 1.0784% | 2,748 |
| Pretax return on assets | 1.4192% | 2,236 |
| Return on Equity (ROE) | 11.3222% | 1,886 |
| Retained earnings to average equity (ytd only) | 7.4733% | 1,638 |
| Net charge-offs to loans | 0.1978% | 878 |
| Credit loss provision to net charge-offs | 119.2580% | 1,963 |
| Earnings coverage of net charge-offs (x) | 9.7491% | 2,548 |
| Efficiency ratio | 58.5362% | 3,858 |
| Assets per employee ($millions) | 6.0751% | 1,553 |
| Cash dividends to net income (ytd only)* | 33.9946% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 1,408 |
| Loan loss allowance to noncurrent loans | 69.9733% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.8517% | 523 |
| Noncurrent loans to loans | 2.0662% | 642 |
| Net loans and leases to total assets | 82.4197% | 514 |
| Net loans and leases to deposits | 100.6966% | 587 |
| Net loans and leases to core deposits | 123.2460% | 432 |
| Total domestic deposits to total assets | 81.8495% | 3,511 |
| Equity capital to assets | 9.7777% | 4,231 |
| Core capital (leverage) ratio | 9.6679% | 4,002 |
| Tier 1 risk-based capital ratio | 13.4713% | 3,585 |
| Total risk-based capital ratio | 14.7263% | 3,493 |
| Memoranda: | ||
| Average total assets | $454,989,000 | 1,548 |
| Average earning assets | $433,247,500 | 1,509 |
| Average equity | $43,335,750 | 1,816 |
| Average total loans | $381,586,750 | 1,329 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0745% | 1,288 |
| Cost of funding earning assets | 1.0192% | 1,606 |
| Net interest margin | 4.0552% | 1,742 |
| Noninterest income to average assets | 0.0616% | 5,132 |
| Noninterest expense to average assets | 2.2970% | 4,009 |
| Loan and lease loss provision to assets | 0.1979% | 869 |
| Net operating income to assets | 1.0889% | 2,567 |
| Return on assets (ROA) | 1.0889% | 2,633 |
| Pretax return on assets | 1.4284% | 2,109 |
| Return on Equity (ROE) | 11.5348% | 1,763 |
| Retained earnings to average equity (ytd only) | 5.7068% | 2,414 |
| Net charge-offs to loans | 0.2038% | 814 |
| Credit loss provision to net charge-offs | 115.6812% | 1,799 |
| Earnings coverage of net charge-offs (x) | 9.5064% | 2,335 |
| Efficiency ratio | 58.5472% | 3,929 |
| Assets per employee ($millions) | 6.4325% | 1,276 |
| Cash dividends to net income (ytd only)* | 50.5250% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 1,489 |
| Loan loss allowance to noncurrent loans | 68.7437% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.8533% | 529 |
| Noncurrent loans to loans | 2.0813% | 670 |
| Net loans and leases to total assets | 82.3748% | 551 |
| Net loans and leases to deposits | 101.0670% | 605 |
| Net loans and leases to core deposits | 125.3920% | 406 |
| Total domestic deposits to total assets | 81.5052% | 3,666 |
| Equity capital to assets | 9.4909% | 4,413 |
| Core capital (leverage) ratio | 9.6231% | 4,007 |
| Tier 1 risk-based capital ratio | 13.0534% | 3,811 |
| Total risk-based capital ratio | 14.3080% | 3,711 |
| Memoranda: | ||
| Average total assets | $454,775,670 | 1,551 |
| Average earning assets | $433,069,670 | 1,517 |
| Average equity | $42,931,000 | 1,833 |
| Average total loans | $381,770,000 | 1,328 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 1,352 |
| Cost of funding earning assets | 0.9724% | 1,691 |
| Net interest margin | 4.0199% | 1,794 |
| Noninterest income to average assets | 0.0414% | 5,232 |
| Noninterest expense to average assets | 2.2767% | 4,084 |
| Loan and lease loss provision to assets | 0.1983% | 815 |
| Net operating income to assets | 1.0612% | 2,614 |
| Return on assets (ROA) | 1.0612% | 2,663 |
| Pretax return on assets | 1.3962% | 2,098 |
| Return on Equity (ROE) | 11.2725% | 1,834 |
| Retained earnings to average equity (ytd only) | 11.2725% | 752 |
| Net charge-offs to loans | 0.1729% | 792 |
| Credit loss provision to net charge-offs | 136.3636% | 1,315 |
| Earnings coverage of net charge-offs (x) | 10.9636% | 1,933 |
| Efficiency ratio | 58.8115% | 3,975 |
| Assets per employee ($millions) | 6.8819% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 1,581 |
| Loan loss allowance to noncurrent loans | 62.9540% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 2.0240% | 480 |
| Noncurrent loans to loans | 2.2680% | 617 |
| Net loans and leases to total assets | 82.9903% | 469 |
| Net loans and leases to deposits | 100.7433% | 577 |
| Net loans and leases to core deposits | 125.1178% | 402 |
| Total domestic deposits to total assets | 82.3780% | 3,622 |
| Equity capital to assets | 9.5386% | 4,222 |
| Core capital (leverage) ratio | 9.6626% | 3,955 |
| Tier 1 risk-based capital ratio | 13.0536% | 3,850 |
| Total risk-based capital ratio | 14.3083% | 3,757 |
| Memoranda: | ||
| Average total assets | $453,808,000 | 1,565 |
| Average earning assets | $432,346,000 | 1,527 |
| Average equity | $42,723,500 | 1,828 |
| Average total loans | $381,817,000 | 1,338 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9553% | 1,144 |
| Cost of funding earning assets | 0.7671% | 1,703 |
| Net interest margin | 4.1882% | 1,421 |
| Noninterest income to average assets | 0.0589% | 5,248 |
| Noninterest expense to average assets | 2.1655% | 4,413 |
| Loan and lease loss provision to assets | 0.2776% | 603 |
| Net operating income to assets | 1.2237% | 2,070 |
| Return on assets (ROA) | 1.2237% | 2,063 |
| Pretax return on assets | 1.6117% | 1,429 |
| Return on Equity (ROE) | 13.7358% | 1,118 |
| Retained earnings to average equity (ytd only) | 11.3485% | 389 |
| Net charge-offs to loans | 0.1189% | 1,552 |
| Credit loss provision to net charge-offs | 278.0269% | 1,089 |
| Earnings coverage of net charge-offs (x) | 18.9215% | 2,099 |
| Efficiency ratio | 53.4066% | 4,670 |
| Assets per employee ($millions) | 6.7673% | 1,085 |
| Cash dividends to net income (ytd only)* | 17.3802% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 1,575 |
| Loan loss allowance to noncurrent loans | 68.2508% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.8804% | 531 |
| Noncurrent loans to loans | 2.0754% | 645 |
| Net loans and leases to total assets | 82.8890% | 526 |
| Net loans and leases to deposits | 100.1588% | 731 |
| Net loans and leases to core deposits | 125.1521% | 414 |
| Total domestic deposits to total assets | 82.7576% | 3,405 |
| Equity capital to assets | 9.2900% | 4,328 |
| Core capital (leverage) ratio | 9.4604% | 4,157 |
| Tier 1 risk-based capital ratio | 12.7568% | 3,986 |
| Total risk-based capital ratio | 14.0113% | 3,866 |
| Memoranda: | ||
| Average total assets | $446,684,800 | 1,546 |
| Average earning assets | $426,169,200 | 1,510 |
| Average equity | $39,793,800 | 1,876 |
| Average total loans | $375,156,200 | 1,322 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9315% | 1,090 |
| Cost of funding earning assets | 0.7397% | 1,621 |
| Net interest margin | 4.1919% | 1,378 |
| Noninterest income to average assets | 0.0611% | 5,318 |
| Noninterest expense to average assets | 2.1180% | 4,510 |
| Loan and lease loss provision to assets | 0.3071% | 472 |
| Net operating income to assets | 1.2503% | 2,043 |
| Return on assets (ROA) | 1.2503% | 2,050 |
| Pretax return on assets | 1.6383% | 1,450 |
| Return on Equity (ROE) | 14.1893% | 1,068 |
| Retained earnings to average equity (ytd only) | 10.9590% | 658 |
| Net charge-offs to loans | 0.0442% | 2,212 |
| Credit loss provision to net charge-offs | 826.6129% | 477 |
| Earnings coverage of net charge-offs (x) | 52.3627% | 1,142 |
| Efficiency ratio | 52.1236% | 4,800 |
| Assets per employee ($millions) | 7.2660% | 849 |
| Cash dividends to net income (ytd only)* | 22.7655% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 1,503 |
| Loan loss allowance to noncurrent loans | 93.4975% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.5030% | 850 |
| Noncurrent loans to loans | 1.5557% | 1,028 |
| Net loans and leases to total assets | 82.8224% | 586 |
| Net loans and leases to deposits | 100.8591% | 713 |
| Net loans and leases to core deposits | 125.6821% | 419 |
| Total domestic deposits to total assets | 82.1170% | 3,577 |
| Equity capital to assets | 9.0632% | 4,492 |
| Core capital (leverage) ratio | 9.2530% | 4,456 |
| Tier 1 risk-based capital ratio | 12.6483% | 4,123 |
| Total risk-based capital ratio | 13.9037% | 4,008 |
| Memoranda: | ||
| Average total assets | $445,003,250 | 1,559 |
| Average earning assets | $424,874,500 | 1,525 |
| Average equity | $39,211,750 | 1,896 |
| Average total loans | $373,638,250 | 1,330 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8881% | 1,047 |
| Cost of funding earning assets | 0.7208% | 1,516 |
| Net interest margin | 4.1673% | 1,360 |
| Noninterest income to average assets | 0.1006% | 5,271 |
| Noninterest expense to average assets | 2.1102% | 4,582 |
| Loan and lease loss provision to assets | 0.3498% | 375 |
| Net operating income to assets | 1.2451% | 2,001 |
| Return on assets (ROA) | 1.2451% | 1,998 |
| Pretax return on assets | 1.6197% | 1,443 |
| Return on Equity (ROE) | 14.2685% | 1,019 |
| Retained earnings to average equity (ytd only) | 9.3554% | 1,104 |
| Net charge-offs to loans | 0.0124% | 2,723 |
| Credit loss provision to net charge-offs | 3,369.5652% | 121 |
| Earnings coverage of net charge-offs (x) | 189.7391% | 434 |
| Efficiency ratio | 51.7257% | 4,918 |
| Assets per employee ($millions) | 6.6444% | 1,103 |
| Cash dividends to net income (ytd only)* | 34.4328% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 1,637 |
| Loan loss allowance to noncurrent loans | 85.3321% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.6315% | 777 |
| Noncurrent loans to loans | 1.6772% | 953 |
| Net loans and leases to total assets | 82.8897% | 594 |
| Net loans and leases to deposits | 99.1480% | 873 |
| Net loans and leases to core deposits | 121.7376% | 528 |
| Total domestic deposits to total assets | 83.6020% | 3,219 |
| Equity capital to assets | 8.8542% | 4,679 |
| Core capital (leverage) ratio | 8.9367% | 4,741 |
| Tier 1 risk-based capital ratio | 12.2388% | 4,349 |
| Total risk-based capital ratio | 13.4937% | 4,228 |
| Memoranda: | ||
| Average total assets | $443,173,000 | 1,572 |
| Average earning assets | $423,150,670 | 1,534 |
| Average equity | $38,672,670 | 1,919 |
| Average total loans | $371,978,670 | 1,333 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7960% | 1,091 |
| Cost of funding earning assets | 0.6975% | 1,463 |
| Net interest margin | 4.0985% | 1,442 |
| Noninterest income to average assets | 0.1294% | 5,215 |
| Noninterest expense to average assets | 2.0653% | 4,732 |
| Loan and lease loss provision to assets | 0.3619% | 330 |
| Net operating income to assets | 1.2493% | 1,809 |
| Return on assets (ROA) | 1.2493% | 1,822 |
| Pretax return on assets | 1.6148% | 1,349 |
| Return on Equity (ROE) | 14.4228% | 923 |
| Retained earnings to average equity (ytd only) | 14.4228% | 372 |
| Net charge-offs to loans | 0.0076% | 2,472 |
| Credit loss provision to net charge-offs | 5,714.2857% | 58 |
| Earnings coverage of net charge-offs (x) | 312.1429% | 217 |
| Efficiency ratio | 51.0967% | 5,020 |
| Assets per employee ($millions) | 6.6051% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 2,075 |
| Loan loss allowance to noncurrent loans | 62.5735% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 2.0486% | 543 |
| Noncurrent loans to loans | 2.1356% | 720 |
| Net loans and leases to total assets | 83.4027% | 497 |
| Net loans and leases to deposits | 99.8612% | 718 |
| Net loans and leases to core deposits | 123.0860% | 497 |
| Total domestic deposits to total assets | 83.5187% | 3,496 |
| Equity capital to assets | 8.8104% | 4,731 |
| Core capital (leverage) ratio | 8.9214% | 4,774 |
| Tier 1 risk-based capital ratio | 11.3488% | 4,954 |
| Total risk-based capital ratio | 12.6012% | 4,851 |
| Memoranda: | ||
| Average total assets | $442,171,000 | 1,585 |
| Average earning assets | $422,101,500 | 1,547 |
| Average equity | $38,300,500 | 1,942 |
| Average total loans | $370,786,000 | 1,341 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7263% | 1,136 |
| Cost of funding earning assets | 0.7239% | 915 |
| Net interest margin | 4.0024% | 1,749 |
| Noninterest income to average assets | 0.1174% | 5,347 |
| Noninterest expense to average assets | 1.9085% | 5,104 |
| Loan and lease loss provision to assets | 0.3135% | 540 |
| Net operating income to assets | 0.9776% | 2,337 |
| Return on assets (ROA) | 0.9776% | 2,378 |
| Pretax return on assets | 1.7067% | 988 |
| Return on Equity (ROE) | 11.4239% | 1,359 |
| Retained earnings to average equity (ytd only) | 8.4013% | 646 |
| Net charge-offs to loans | 0.2916% | 899 |
| Credit loss provision to net charge-offs | 127.4038% | 2,066 |
| Earnings coverage of net charge-offs (x) | 8.2087% | 2,940 |
| Efficiency ratio | 48.5785% | 5,282 |
| Assets per employee ($millions) | 7.0127% | 964 |
| Cash dividends to net income (ytd only)* | 26.4585% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,450 |
| Loan loss allowance to noncurrent loans | 43.8876% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.5288% | 371 |
| Noncurrent loans to loans | 2.8559% | 404 |
| Net loans and leases to total assets | 82.1355% | 666 |
| Net loans and leases to deposits | 97.9676% | 907 |
| Net loans and leases to core deposits | 119.8011% | 590 |
| Total domestic deposits to total assets | 83.8395% | 3,266 |
| Equity capital to assets | 8.5131% | 5,114 |
| Core capital (leverage) ratio | 8.6586% | 4,988 |
| Tier 1 risk-based capital ratio | 11.5648% | 4,811 |
| Total risk-based capital ratio | 12.8169% | 4,706 |
| Memoranda: | ||
| Average total assets | $422,581,800 | 1,627 |
| Average earning assets | $402,407,000 | 1,589 |
| Average equity | $36,161,000 | 2,012 |
| Average total loans | $356,614,400 | 1,358 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7282% | 1,073 |
| Cost of funding earning assets | 0.7253% | 865 |
| Net interest margin | 4.0029% | 1,690 |
| Noninterest income to average assets | 0.1216% | 5,392 |
| Noninterest expense to average assets | 1.9407% | 5,065 |
| Loan and lease loss provision to assets | 0.2154% | 870 |
| Net operating income to assets | 1.1419% | 1,907 |
| Return on assets (ROA) | 1.1419% | 1,958 |
| Pretax return on assets | 1.7754% | 938 |
| Return on Equity (ROE) | 13.3261% | 981 |
| Retained earnings to average equity (ytd only) | 9.2553% | 774 |
| Net charge-offs to loans | 0.2321% | 926 |
| Credit loss provision to net charge-offs | 109.5779% | 2,146 |
| Earnings coverage of net charge-offs (x) | 10.1267% | 2,626 |
| Efficiency ratio | 49.3628% | 5,276 |
| Assets per employee ($millions) | 7.1747% | 879 |
| Cash dividends to net income (ytd only)* | 30.5478% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 2,787 |
| Loan loss allowance to noncurrent loans | 47.7176% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 2.3394% | 489 |
| Noncurrent loans to loans | 2.5621% | 580 |
| Net loans and leases to total assets | 83.6000% | 481 |
| Net loans and leases to deposits | 100.5238% | 710 |
| Net loans and leases to core deposits | 124.3029% | 453 |
| Total domestic deposits to total assets | 83.1644% | 3,405 |
| Equity capital to assets | 8.7540% | 5,115 |
| Core capital (leverage) ratio | 8.7935% | 4,976 |
| Tier 1 risk-based capital ratio | 11.6155% | 4,873 |
| Total risk-based capital ratio | 12.8671% | 4,764 |
| Memoranda: | ||
| Average total assets | $417,777,500 | 1,655 |
| Average earning assets | $397,634,000 | 1,615 |
| Average equity | $35,798,500 | 2,041 |
| Average total loans | $353,898,000 | 1,381 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6786% | 1,095 |
| Cost of funding earning assets | 0.7181% | 809 |
| Net interest margin | 3.9605% | 1,738 |
| Noninterest income to average assets | 0.1087% | 5,488 |
| Noninterest expense to average assets | 1.9301% | 5,124 |
| Loan and lease loss provision to assets | 0.2164% | 820 |
| Net operating income to assets | 1.1156% | 1,903 |
| Return on assets (ROA) | 1.1156% | 1,952 |
| Pretax return on assets | 1.7334% | 978 |
| Return on Equity (ROE) | 13.1150% | 1,008 |
| Retained earnings to average equity (ytd only) | 6.9363% | 1,623 |
| Net charge-offs to loans | 0.1583% | 1,217 |
| Credit loss provision to net charge-offs | 161.2903% | 1,455 |
| Earnings coverage of net charge-offs (x) | 14.5341% | 2,065 |
| Efficiency ratio | 49.7459% | 5,320 |
| Assets per employee ($millions) | 6.8786% | 979 |
| Cash dividends to net income (ytd only)* | 47.1121% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,647 |
| Loan loss allowance to noncurrent loans | 50.7055% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 2.3210% | 500 |
| Noncurrent loans to loans | 2.4784% | 610 |
| Net loans and leases to total assets | 84.1176% | 432 |
| Net loans and leases to deposits | 100.8731% | 676 |
| Net loans and leases to core deposits | 123.8148% | 442 |
| Total domestic deposits to total assets | 83.3895% | 3,432 |
| Equity capital to assets | 8.5318% | 5,280 |
| Core capital (leverage) ratio | 8.6189% | 5,125 |
| Tier 1 risk-based capital ratio | 11.7763% | 4,780 |
| Total risk-based capital ratio | 13.0289% | 4,666 |
| Memoranda: | ||
| Average total assets | $415,935,000 | 1,664 |
| Average earning assets | $396,060,330 | 1,626 |
| Average equity | $35,379,330 | 2,058 |
| Average total loans | $352,443,000 | 1,387 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6278% | 1,070 |
| Cost of funding earning assets | 0.7088% | 808 |
| Net interest margin | 3.9190% | 1,711 |
| Noninterest income to average assets | 0.1092% | 5,562 |
| Noninterest expense to average assets | 1.8614% | 5,290 |
| Loan and lease loss provision to assets | 0.2173% | 736 |
| Net operating income to assets | 1.1504% | 1,666 |
| Return on assets (ROA) | 1.1504% | 1,703 |
| Pretax return on assets | 1.7638% | 873 |
| Return on Equity (ROE) | 13.5458% | 893 |
| Retained earnings to average equity (ytd only) | 13.5458% | 329 |
| Net charge-offs to loans | 0.0846% | 1,504 |
| Credit loss provision to net charge-offs | 304.0541% | 775 |
| Earnings coverage of net charge-offs (x) | 27.7162% | 1,270 |
| Efficiency ratio | 48.4414% | 5,450 |
| Assets per employee ($millions) | 7.1132% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,705 |
| Loan loss allowance to noncurrent loans | 50.9804% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 2.3039% | 529 |
| Noncurrent loans to loans | 2.4851% | 628 |
| Net loans and leases to total assets | 83.0413% | 456 |
| Net loans and leases to deposits | 99.6153% | 638 |
| Net loans and leases to core deposits | 106.6841% | 1,050 |
| Total domestic deposits to total assets | 83.3620% | 3,714 |
| Equity capital to assets | 8.5215% | 5,224 |
| Core capital (leverage) ratio | 8.6484% | 5,105 |
| Tier 1 risk-based capital ratio | 11.8555% | 4,807 |
| Total risk-based capital ratio | 13.1085% | 4,716 |
| Memoranda: | ||
| Average total assets | $414,104,500 | 1,679 |
| Average earning assets | $394,486,500 | 1,639 |
| Average equity | $35,169,500 | 2,075 |
| Average total loans | $349,941,500 | 1,400 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 784 |
| Cost of funding earning assets | 0.7028% | 798 |
| Net interest margin | 4.1633% | 1,203 |
| Noninterest income to average assets | 0.0851% | 5,681 |
| Noninterest expense to average assets | 2.0151% | 5,160 |
| Loan and lease loss provision to assets | 0.2063% | 1,103 |
| Net operating income to assets | 1.1769% | 1,582 |
| Return on assets (ROA) | 1.1769% | 1,682 |
| Pretax return on assets | 1.8344% | 728 |
| Return on Equity (ROE) | 13.9500% | 783 |
| Retained earnings to average equity (ytd only) | 10.8208% | 325 |
| Net charge-offs to loans | 0.1464% | 1,801 |
| Credit loss provision to net charge-offs | 166.6667% | 1,656 |
| Earnings coverage of net charge-offs (x) | 16.4896% | 2,104 |
| Efficiency ratio | 49.6853% | 5,502 |
| Assets per employee ($millions) | 7.4278% | 756 |
| Cash dividends to net income (ytd only)* | 22.4315% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,850 |
| Loan loss allowance to noncurrent loans | 78.7498% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.6062% | 993 |
| Noncurrent loans to loans | 1.5817% | 1,247 |
| Net loans and leases to total assets | 83.8575% | 393 |
| Net loans and leases to deposits | 100.7336% | 626 |
| Net loans and leases to core deposits | 120.5294% | 472 |
| Total domestic deposits to total assets | 83.2468% | 3,677 |
| Equity capital to assets | 8.4635% | 5,298 |
| Core capital (leverage) ratio | 8.5172% | 5,241 |
| Tier 1 risk-based capital ratio | 11.8576% | 4,816 |
| Total risk-based capital ratio | 13.1104% | 4,715 |
| Memoranda: | ||
| Average total assets | $387,874,400 | 1,730 |
| Average earning assets | $369,922,800 | 1,681 |
| Average equity | $32,724,000 | 2,193 |
| Average total loans | $327,928,200 | 1,419 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8499% | 809 |
| Cost of funding earning assets | 0.6983% | 823 |
| Net interest margin | 4.1516% | 1,246 |
| Noninterest income to average assets | 0.0944% | 5,730 |
| Noninterest expense to average assets | 2.0506% | 5,107 |
| Loan and lease loss provision to assets | 0.1568% | 1,481 |
| Net operating income to assets | 1.1869% | 1,682 |
| Return on assets (ROA) | 1.1869% | 1,782 |
| Pretax return on assets | 1.8475% | 809 |
| Return on Equity (ROE) | 14.0806% | 810 |
| Retained earnings to average equity (ytd only) | 9.8486% | 601 |
| Net charge-offs to loans | 0.0116% | 3,533 |
| Credit loss provision to net charge-offs | 1,607.1429% | 291 |
| Earnings coverage of net charge-offs (x) | 205.4774% | 362 |
| Efficiency ratio | 50.5714% | 5,464 |
| Assets per employee ($millions) | 6.9002% | 925 |
| Cash dividends to net income (ytd only)* | 30.0558% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 2,632 |
| Loan loss allowance to noncurrent loans | 71.7903% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.7518% | 955 |
| Noncurrent loans to loans | 1.8253% | 1,122 |
| Net loans and leases to total assets | 83.2329% | 487 |
| Net loans and leases to deposits | 99.7607% | 716 |
| Net loans and leases to core deposits | 119.9447% | 506 |
| Total domestic deposits to total assets | 83.4325% | 3,435 |
| Equity capital to assets | 8.3496% | 5,608 |
| Core capital (leverage) ratio | 8.5262% | 5,345 |
| Tier 1 risk-based capital ratio | 11.8436% | 4,889 |
| Total risk-based capital ratio | 13.0976% | 4,783 |
| Memoranda: | ||
| Average total assets | $382,710,500 | 1,749 |
| Average earning assets | $365,083,750 | 1,708 |
| Average equity | $32,261,000 | 2,233 |
| Average total loans | $323,184,250 | 1,438 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8349% | 821 |
| Cost of funding earning assets | 0.6943% | 828 |
| Net interest margin | 4.1405% | 1,255 |
| Noninterest income to average assets | 0.1337% | 5,644 |
| Noninterest expense to average assets | 2.0516% | 5,165 |
| Loan and lease loss provision to assets | 0.1592% | 1,428 |
| Net operating income to assets | 1.2200% | 1,534 |
| Return on assets (ROA) | 1.2200% | 1,631 |
| Pretax return on assets | 1.8754% | 733 |
| Return on Equity (ROE) | 14.4246% | 764 |
| Retained earnings to average equity (ytd only) | 8.3197% | 1,065 |
| Net charge-offs to loans | -0.0063% | 4,579 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2078% | 5,547 |
| Assets per employee ($millions) | 6.4043% | 1,129 |
| Cash dividends to net income (ytd only)* | 42.3227% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 2,675 |
| Loan loss allowance to noncurrent loans | 61.7976% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 1.9557% | 843 |
| Noncurrent loans to loans | 2.1364% | 904 |
| Net loans and leases to total assets | 83.8550% | 429 |
| Net loans and leases to deposits | 99.2292% | 760 |
| Net loans and leases to core deposits | 119.7142% | 519 |
| Total domestic deposits to total assets | 84.5064% | 3,088 |
| Equity capital to assets | 8.4212% | 5,641 |
| Core capital (leverage) ratio | 8.4994% | 5,368 |
| Tier 1 risk-based capital ratio | 11.7926% | 4,977 |
| Total risk-based capital ratio | 13.0466% | 4,854 |
| Memoranda: | ||
| Average total assets | $376,876,670 | 1,779 |
| Average earning assets | $359,762,670 | 1,730 |
| Average equity | $31,876,000 | 2,251 |
| Average total loans | $318,402,000 | 1,459 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8751% | 725 |
| Cost of funding earning assets | 0.6811% | 889 |
| Net interest margin | 4.1940% | 1,109 |
| Noninterest income to average assets | 0.1297% | 5,693 |
| Noninterest expense to average assets | 1.9776% | 5,386 |
| Loan and lease loss provision to assets | 0.1608% | 1,289 |
| Net operating income to assets | 1.2905% | 1,279 |
| Return on assets (ROA) | 1.2905% | 1,362 |
| Pretax return on assets | 1.9979% | 573 |
| Return on Equity (ROE) | 15.2239% | 634 |
| Retained earnings to average equity (ytd only) | 15.2239% | 233 |
| Net charge-offs to loans | -0.0191% | 4,827 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8103% | 5,733 |
| Assets per employee ($millions) | 6.3968% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 2,922 |
| Loan loss allowance to noncurrent loans | 65.6787% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.8095% | 1,025 |
| Noncurrent loans to loans | 1.9742% | 1,093 |
| Net loans and leases to total assets | 82.6262% | 490 |
| Net loans and leases to deposits | 96.9653% | 851 |
| Net loans and leases to core deposits | 116.3253% | 578 |
| Total domestic deposits to total assets | 85.2121% | 3,037 |
| Equity capital to assets | 8.3993% | 5,638 |
| Core capital (leverage) ratio | 8.6443% | 5,243 |
| Tier 1 risk-based capital ratio | 11.9281% | 4,957 |
| Total risk-based capital ratio | 13.1817% | 4,869 |
| Memoranda: | ||
| Average total assets | $373,187,000 | 1,801 |
| Average earning assets | $356,505,500 | 1,743 |
| Average equity | $31,634,500 | 2,268 |
| Average total loans | $314,338,500 | 1,468 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8138% | 903 |
| Cost of funding earning assets | 0.6347% | 1,154 |
| Net interest margin | 4.1791% | 1,211 |
| Noninterest income to average assets | 0.1354% | 5,739 |
| Noninterest expense to average assets | 2.1530% | 5,145 |
| Loan and lease loss provision to assets | 0.1835% | 1,225 |
| Net operating income to assets | 1.1589% | 1,703 |
| Return on assets (ROA) | 1.1589% | 1,779 |
| Pretax return on assets | 1.7756% | 843 |
| Return on Equity (ROE) | 13.7768% | 890 |
| Retained earnings to average equity (ytd only) | 10.6437% | 385 |
| Net charge-offs to loans | 0.0845% | 2,627 |
| Credit loss provision to net charge-offs | 263.3745% | 1,097 |
| Earnings coverage of net charge-offs (x) | 28.1111% | 1,519 |
| Efficiency ratio | 52.3574% | 5,616 |
| Assets per employee ($millions) | 6.0428% | 1,357 |
| Cash dividends to net income (ytd only)* | 22.7419% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,891 |
| Loan loss allowance to noncurrent loans | 81.1727% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.5255% | 1,320 |
| Noncurrent loans to loans | 1.6035% | 1,432 |
| Net loans and leases to total assets | 83.6769% | 419 |
| Net loans and leases to deposits | 102.4181% | 522 |
| Net loans and leases to core deposits | 115.9836% | 599 |
| Total domestic deposits to total assets | 81.7013% | 4,264 |
| Equity capital to assets | 8.5590% | 5,508 |
| Core capital (leverage) ratio | 8.6949% | 5,224 |
| Tier 1 risk-based capital ratio | 12.0511% | 4,917 |
| Total risk-based capital ratio | 13.3050% | 4,817 |
| Memoranda: | ||
| Average total assets | $348,680,200 | 1,875 |
| Average earning assets | $331,797,600 | 1,826 |
| Average equity | $29,332,000 | 2,366 |
| Average total loans | $287,509,400 | 1,520 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7459% | 1,020 |
| Cost of funding earning assets | 0.6291% | 1,223 |
| Net interest margin | 4.1168% | 1,368 |
| Noninterest income to average assets | 0.1348% | 5,809 |
| Noninterest expense to average assets | 2.1772% | 5,111 |
| Loan and lease loss provision to assets | 0.1738% | 1,223 |
| Net operating income to assets | 1.0981% | 2,017 |
| Return on assets (ROA) | 1.0981% | 2,099 |
| Pretax return on assets | 1.6990% | 1,108 |
| Return on Equity (ROE) | 13.1130% | 1,098 |
| Retained earnings to average equity (ytd only) | 8.8742% | 947 |
| Net charge-offs to loans | 0.0651% | 2,649 |
| Credit loss provision to net charge-offs | 326.0870% | 898 |
| Earnings coverage of net charge-offs (x) | 35.1368% | 1,356 |
| Efficiency ratio | 53.7574% | 5,538 |
| Assets per employee ($millions) | 5.9267% | 1,426 |
| Cash dividends to net income (ytd only)* | 32.3250% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 2,911 |
| Loan loss allowance to noncurrent loans | 73.3608% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.6029% | 1,385 |
| Noncurrent loans to loans | 1.8246% | 1,293 |
| Net loans and leases to total assets | 82.5449% | 522 |
| Net loans and leases to deposits | 101.3561% | 589 |
| Net loans and leases to core deposits | 114.2496% | 659 |
| Total domestic deposits to total assets | 81.4405% | 4,352 |
| Equity capital to assets | 8.5325% | 5,696 |
| Core capital (leverage) ratio | 8.6472% | 5,414 |
| Tier 1 risk-based capital ratio | 12.1258% | 5,010 |
| Total risk-based capital ratio | 13.3800% | 4,914 |
| Memoranda: | ||
| Average total assets | $345,208,750 | 1,907 |
| Average earning assets | $328,301,250 | 1,861 |
| Average equity | $28,907,000 | 2,413 |
| Average total loans | $282,540,500 | 1,546 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6975% | 1,069 |
| Cost of funding earning assets | 0.6172% | 1,302 |
| Net interest margin | 4.0803% | 1,409 |
| Noninterest income to average assets | 0.1327% | 5,892 |
| Noninterest expense to average assets | 2.1023% | 5,335 |
| Loan and lease loss provision to assets | 0.1746% | 1,191 |
| Net operating income to assets | 1.1259% | 1,852 |
| Return on assets (ROA) | 1.1259% | 1,939 |
| Pretax return on assets | 1.7369% | 1,006 |
| Return on Equity (ROE) | 13.5327% | 1,004 |
| Retained earnings to average equity (ytd only) | 7.4552% | 1,496 |
| Net charge-offs to loans | 0.0766% | 2,293 |
| Credit loss provision to net charge-offs | 280.3738% | 967 |
| Earnings coverage of net charge-offs (x) | 30.7009% | 1,346 |
| Efficiency ratio | 52.3775% | 5,683 |
| Assets per employee ($millions) | 6.1305% | 1,258 |
| Cash dividends to net income (ytd only)* | 44.9096% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 3,118 |
| Loan loss allowance to noncurrent loans | 78.5640% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.5287% | 1,603 |
| Noncurrent loans to loans | 1.6846% | 1,540 |
| Net loans and leases to total assets | 82.4608% | 514 |
| Net loans and leases to deposits | 97.4563% | 840 |
| Net loans and leases to core deposits | 112.8387% | 713 |
| Total domestic deposits to total assets | 84.6131% | 3,290 |
| Equity capital to assets | 8.4412% | 5,730 |
| Core capital (leverage) ratio | 8.4900% | 5,541 |
| Tier 1 risk-based capital ratio | 12.3633% | 4,902 |
| Total risk-based capital ratio | 13.6180% | 4,798 |
| Memoranda: | ||
| Average total assets | $343,720,000 | 1,923 |
| Average earning assets | $326,940,330 | 1,881 |
| Average equity | $28,597,330 | 2,446 |
| Average total loans | $279,202,330 | 1,566 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6486% | 1,127 |
| Cost of funding earning assets | 0.6060% | 1,390 |
| Net interest margin | 4.0426% | 1,433 |
| Noninterest income to average assets | 0.1303% | 5,946 |
| Noninterest expense to average assets | 2.0807% | 5,428 |
| Loan and lease loss provision to assets | 0.1745% | 1,119 |
| Net operating income to assets | 1.1479% | 1,713 |
| Return on assets (ROA) | 1.1479% | 1,818 |
| Pretax return on assets | 1.7236% | 1,005 |
| Return on Equity (ROE) | 13.8982% | 901 |
| Retained earnings to average equity (ytd only) | 13.8982% | 368 |
| Net charge-offs to loans | -0.0015% | 4,338 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2947% | 5,790 |
| Assets per employee ($millions) | 5.9754% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 3,123 |
| Loan loss allowance to noncurrent loans | 87.3459% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.3610% | 1,952 |
| Noncurrent loans to loans | 1.5508% | 1,808 |
| Net loans and leases to total assets | 78.9026% | 808 |
| Net loans and leases to deposits | 94.0480% | 977 |
| Net loans and leases to core deposits | 107.8846% | 826 |
| Total domestic deposits to total assets | 83.8960% | 3,854 |
| Equity capital to assets | 8.3391% | 5,846 |
| Core capital (leverage) ratio | 8.5041% | 5,514 |
| Tier 1 risk-based capital ratio | 12.6953% | 4,789 |
| Total risk-based capital ratio | 14.3447% | 4,476 |
| Memoranda: | ||
| Average total assets | $343,927,000 | 1,935 |
| Average earning assets | $327,413,000 | 1,883 |
| Average equity | $28,406,500 | 2,476 |
| Average total loans | $275,358,500 | 1,588 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8468% | 1,018 |
| Cost of funding earning assets | 0.6402% | 1,473 |
| Net interest margin | 4.2066% | 1,281 |
| Noninterest income to average assets | 0.1469% | 5,960 |
| Noninterest expense to average assets | 2.3096% | 5,089 |
| Loan and lease loss provision to assets | 0.1201% | 2,174 |
| Net operating income to assets | 1.1210% | 1,901 |
| Return on assets (ROA) | 1.1210% | 1,959 |
| Pretax return on assets | 1.7220% | 936 |
| Return on Equity (ROE) | 13.4344% | 1,056 |
| Retained earnings to average equity (ytd only) | 10.8028% | 398 |
| Net charge-offs to loans | -0.0144% | 5,638 |
| Credit loss provision to net charge-offs | -1,027.0270% | 5,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6317% | 5,704 |
| Assets per employee ($millions) | 5.7844% | 1,537 |
| Cash dividends to net income (ytd only)* | 19.5885% | 3,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 3,329 |
| Loan loss allowance to noncurrent loans | 94.0992% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.2453% | 2,265 |
| Noncurrent loans to loans | 1.4003% | 2,092 |
| Net loans and leases to total assets | 79.0853% | 872 |
| Net loans and leases to deposits | 93.5390% | 1,125 |
| Net loans and leases to core deposits | 107.3310% | 939 |
| Total domestic deposits to total assets | 84.5479% | 3,485 |
| Equity capital to assets | 8.1786% | 5,974 |
| Core capital (leverage) ratio | 8.4688% | 5,584 |
| Tier 1 risk-based capital ratio | 12.0283% | 5,346 |
| Total risk-based capital ratio | 13.2820% | 5,246 |
| Memoranda: | ||
| Average total assets | $316,500,200 | 2,054 |
| Average earning assets | $301,314,000 | 1,991 |
| Average equity | $26,409,800 | 2,535 |
| Average total loans | $256,494,800 | 1,655 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8704% | 992 |
| Cost of funding earning assets | 0.6483% | 1,468 |
| Net interest margin | 4.2221% | 1,219 |
| Noninterest income to average assets | 0.1521% | 6,008 |
| Noninterest expense to average assets | 2.2459% | 5,232 |
| Loan and lease loss provision to assets | 0.1289% | 1,945 |
| Net operating income to assets | 1.1640% | 1,810 |
| Return on assets (ROA) | 1.1640% | 1,879 |
| Pretax return on assets | 1.7926% | 906 |
| Return on Equity (ROE) | 13.8737% | 1,012 |
| Retained earnings to average equity (ytd only) | 10.3144% | 627 |
| Net charge-offs to loans | -0.0116% | 5,462 |
| Credit loss provision to net charge-offs | -1,363.6364% | 5,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8922% | 5,833 |
| Assets per employee ($millions) | 5.2432% | 1,967 |
| Cash dividends to net income (ytd only)* | 25.6551% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 3,527 |
| Loan loss allowance to noncurrent loans | 111.8228% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.1971% | 2,564 |
| Noncurrent loans to loans | 1.1844% | 2,692 |
| Net loans and leases to total assets | 83.1053% | 392 |
| Net loans and leases to deposits | 100.6092% | 579 |
| Net loans and leases to core deposits | 110.5497% | 721 |
| Total domestic deposits to total assets | 82.6021% | 4,267 |
| Equity capital to assets | 8.6052% | 5,720 |
| Core capital (leverage) ratio | 8.7018% | 5,435 |
| Tier 1 risk-based capital ratio | 12.2630% | 5,321 |
| Total risk-based capital ratio | 13.5173% | 5,243 |
| Memoranda: | ||
| Average total assets | $310,305,000 | 2,108 |
| Average earning assets | $295,107,500 | 2,041 |
| Average equity | $26,034,250 | 2,574 |
| Average total loans | $252,241,750 | 1,683 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 1,041 |
| Cost of funding earning assets | 0.6464% | 1,534 |
| Net interest margin | 4.1728% | 1,305 |
| Noninterest income to average assets | 0.1541% | 6,022 |
| Noninterest expense to average assets | 2.2255% | 5,354 |
| Loan and lease loss provision to assets | 0.1943% | 1,261 |
| Net operating income to assets | 1.1169% | 1,868 |
| Return on assets (ROA) | 1.1169% | 1,944 |
| Pretax return on assets | 1.7010% | 1,020 |
| Return on Equity (ROE) | 13.4300% | 1,066 |
| Retained earnings to average equity (ytd only) | 8.0191% | 1,323 |
| Net charge-offs to loans | 0.0073% | 4,139 |
| Credit loss provision to net charge-offs | 3,333.3333% | 106 |
| Earnings coverage of net charge-offs (x) | 325.2222% | 215 |
| Efficiency ratio | 54.0069% | 5,911 |
| Assets per employee ($millions) | 5.4002% | 1,781 |
| Cash dividends to net income (ytd only)* | 40.2899% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 3,523 |
| Loan loss allowance to noncurrent loans | 84.9743% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.5483% | 2,101 |
| Noncurrent loans to loans | 1.6048% | 2,163 |
| Net loans and leases to total assets | 81.7268% | 490 |
| Net loans and leases to deposits | 98.0019% | 665 |
| Net loans and leases to core deposits | 107.5652% | 788 |
| Total domestic deposits to total assets | 83.3931% | 4,158 |
| Equity capital to assets | 8.4779% | 5,818 |
| Core capital (leverage) ratio | 8.5298% | 5,604 |
| Tier 1 risk-based capital ratio | 12.0730% | 5,501 |
| Total risk-based capital ratio | 13.3276% | 5,427 |
| Memoranda: | ||
| Average total assets | $308,877,000 | 2,111 |
| Average earning assets | $293,618,670 | 2,048 |
| Average equity | $25,688,670 | 2,593 |
| Average total loans | $248,006,000 | 1,707 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7069% | 1,242 |
| Cost of funding earning assets | 0.6365% | 1,676 |
| Net interest margin | 4.0704% | 1,544 |
| Noninterest income to average assets | 0.1642% | 5,991 |
| Noninterest expense to average assets | 2.2081% | 5,441 |
| Loan and lease loss provision to assets | 0.1939% | 1,216 |
| Net operating income to assets | 1.0704% | 1,927 |
| Return on assets (ROA) | 1.0704% | 1,994 |
| Pretax return on assets | 1.6315% | 1,106 |
| Return on Equity (ROE) | 12.9959% | 1,163 |
| Retained earnings to average equity (ytd only) | 12.9959% | 485 |
| Net charge-offs to loans | 0.0278% | 3,020 |
| Credit loss provision to net charge-offs | 882.3529% | 345 |
| Earnings coverage of net charge-offs (x) | 83.0588% | 523 |
| Efficiency ratio | 54.7436% | 5,948 |
| Assets per employee ($millions) | 5.8143% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 3,882 |
| Loan loss allowance to noncurrent loans | 76.6036% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.7779% | 1,977 |
| Noncurrent loans to loans | 1.7544% | 2,205 |
| Net loans and leases to total assets | 77.6222% | 805 |
| Net loans and leases to deposits | 90.9465% | 1,043 |
| Net loans and leases to core deposits | 99.3972% | 1,144 |
| Total domestic deposits to total assets | 85.3493% | 3,696 |
| Equity capital to assets | 8.2485% | 5,868 |
| Core capital (leverage) ratio | 8.3863% | 5,757 |
| Tier 1 risk-based capital ratio | 11.8662% | 5,720 |
| Total risk-based capital ratio | 13.1195% | 5,653 |
| Memoranda: | ||
| Average total assets | $309,409,500 | 2,115 |
| Average earning assets | $294,123,500 | 2,051 |
| Average equity | $25,485,000 | 2,599 |
| Average total loans | $244,487,500 | 1,725 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9308% | 1,038 |
| Cost of funding earning assets | 0.7042% | 1,783 |
| Net interest margin | 4.2266% | 1,281 |
| Noninterest income to average assets | 0.1482% | 6,201 |
| Noninterest expense to average assets | 2.4173% | 5,026 |
| Loan and lease loss provision to assets | 0.2643% | 1,339 |
| Net operating income to assets | 0.9582% | 2,523 |
| Return on assets (ROA) | 0.9582% | 2,587 |
| Pretax return on assets | 1.4721% | 1,544 |
| Return on Equity (ROE) | 11.4730% | 1,606 |
| Retained earnings to average equity (ytd only) | 8.6770% | 851 |
| Net charge-offs to loans | 0.0360% | 4,727 |
| Credit loss provision to net charge-offs | 910.8434% | 276 |
| Earnings coverage of net charge-offs (x) | 59.8434% | 688 |
| Efficiency ratio | 58.1973% | 5,714 |
| Assets per employee ($millions) | 5.5427% | 1,613 |
| Cash dividends to net income (ytd only)* | 24.3707% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 4,055 |
| Loan loss allowance to noncurrent loans | 68.2734% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 1.9406% | 1,860 |
| Noncurrent loans to loans | 1.9294% | 2,076 |
| Net loans and leases to total assets | 78.3199% | 782 |
| Net loans and leases to deposits | 95.5529% | 761 |
| Net loans and leases to core deposits | 105.4436% | 823 |
| Total domestic deposits to total assets | 81.9651% | 4,891 |
| Equity capital to assets | 8.2245% | 5,849 |
| Core capital (leverage) ratio | 8.5056% | 5,667 |
| Tier 1 risk-based capital ratio | 11.8967% | 5,677 |
| Total risk-based capital ratio | 13.1501% | 5,617 |
| Memoranda: | ||
| Average total assets | $286,063,600 | 2,226 |
| Average earning assets | $271,089,600 | 2,169 |
| Average equity | $23,890,800 | 2,740 |
| Average total loans | $230,356,400 | 1,783 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9001% | 1,125 |
| Cost of funding earning assets | 0.7173% | 1,828 |
| Net interest margin | 4.1827% | 1,387 |
| Noninterest income to average assets | 0.1398% | 6,332 |
| Noninterest expense to average assets | 2.4053% | 5,015 |
| Loan and lease loss provision to assets | 0.3582% | 882 |
| Net operating income to assets | 0.8800% | 2,936 |
| Return on assets (ROA) | 0.8800% | 3,052 |
| Pretax return on assets | 1.3387% | 2,176 |
| Return on Equity (ROE) | 10.4933% | 2,002 |
| Retained earnings to average equity (ytd only) | 6.7186% | 2,020 |
| Net charge-offs to loans | -0.0522% | 6,325 |
| Credit loss provision to net charge-offs | -849.4382% | 6,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6346% | 5,608 |
| Assets per employee ($millions) | 5.3630% | 1,776 |
| Cash dividends to net income (ytd only)* | 35.9718% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 3,860 |
| Loan loss allowance to noncurrent loans | 54.7782% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 2.6088% | 1,452 |
| Noncurrent loans to loans | 2.5700% | 1,669 |
| Net loans and leases to total assets | 81.2300% | 431 |
| Net loans and leases to deposits | 95.4278% | 734 |
| Net loans and leases to core deposits | 104.8105% | 832 |
| Total domestic deposits to total assets | 85.1219% | 3,675 |
| Equity capital to assets | 8.3532% | 5,872 |
| Core capital (leverage) ratio | 8.4341% | 5,824 |
| Tier 1 risk-based capital ratio | 11.7988% | 5,904 |
| Total risk-based capital ratio | 13.0536% | 5,851 |
| Memoranda: | ||
| Average total assets | $281,367,750 | 2,271 |
| Average earning assets | $266,548,500 | 2,211 |
| Average equity | $23,595,500 | 2,793 |
| Average total loans | $227,459,750 | 1,807 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8636% | 1,182 |
| Cost of funding earning assets | 0.7245% | 1,889 |
| Net interest margin | 4.1392% | 1,438 |
| Noninterest income to average assets | 0.1292% | 6,412 |
| Noninterest expense to average assets | 2.3552% | 5,190 |
| Loan and lease loss provision to assets | 0.3618% | 916 |
| Net operating income to assets | 0.8800% | 2,905 |
| Return on assets (ROA) | 0.8800% | 3,051 |
| Pretax return on assets | 1.3330% | 2,177 |
| Return on Equity (ROE) | 10.4800% | 2,018 |
| Retained earnings to average equity (ytd only) | 4.7698% | 3,208 |
| Net charge-offs to loans | -0.0956% | 6,494 |
| Credit loss provision to net charge-offs | -471.0280% | 5,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1531% | 5,715 |
| Assets per employee ($millions) | 5.0907% | 2,006 |
| Cash dividends to net income (ytd only)* | 54.4861% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3698% | 4,171 |
| Loan loss allowance to noncurrent loans | 65.2401% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 2.1050% | 2,047 |
| Noncurrent loans to loans | 2.0997% | 2,279 |
| Net loans and leases to total assets | 78.9260% | 641 |
| Net loans and leases to deposits | 91.8196% | 980 |
| Net loans and leases to core deposits | 100.7496% | 1,027 |
| Total domestic deposits to total assets | 85.9577% | 3,395 |
| Equity capital to assets | 8.2650% | 6,002 |
| Core capital (leverage) ratio | 8.4288% | 5,744 |
| Tier 1 risk-based capital ratio | 11.9183% | 5,841 |
| Total risk-based capital ratio | 13.1723% | 5,787 |
| Memoranda: | ||
| Average total assets | $278,623,330 | 2,299 |
| Average earning assets | $263,917,670 | 2,231 |
| Average equity | $23,397,000 | 2,830 |
| Average total loans | $223,745,670 | 1,827 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8986% | 1,088 |
| Cost of funding earning assets | 0.7379% | 1,943 |
| Net interest margin | 4.1607% | 1,301 |
| Noninterest income to average assets | 0.1133% | 6,525 |
| Noninterest expense to average assets | 2.3588% | 5,244 |
| Loan and lease loss provision to assets | 0.3660% | 878 |
| Net operating income to assets | 0.8773% | 2,766 |
| Return on assets (ROA) | 0.8773% | 2,914 |
| Pretax return on assets | 1.3276% | 2,134 |
| Return on Equity (ROE) | 10.3626% | 1,927 |
| Retained earnings to average equity (ytd only) | 10.3626% | 1,018 |
| Net charge-offs to loans | -0.5994% | 6,877 |
| Credit loss provision to net charge-offs | -75.9036% | 5,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2079% | 5,822 |
| Assets per employee ($millions) | 5.0760% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 4,241 |
| Loan loss allowance to noncurrent loans | 44.9507% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 2.8322% | 1,594 |
| Noncurrent loans to loans | 3.1103% | 1,596 |
| Net loans and leases to total assets | 78.2605% | 584 |
| Net loans and leases to deposits | 91.4615% | 851 |
| Net loans and leases to core deposits | 99.6706% | 968 |
| Total domestic deposits to total assets | 85.5666% | 3,762 |
| Equity capital to assets | 8.4588% | 6,055 |
| Core capital (leverage) ratio | 8.7247% | 5,291 |
| Tier 1 risk-based capital ratio | 12.0714% | 5,870 |
| Total risk-based capital ratio | 13.3257% | 5,823 |
| Memoranda: | ||
| Average total assets | $275,394,500 | 2,341 |
| Average earning assets | $260,726,500 | 2,286 |
| Average equity | $23,314,500 | 2,879 |
| Average total loans | $221,554,500 | 1,857 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0489% | 1,434 |
| Cost of funding earning assets | 0.8851% | 2,028 |
| Net interest margin | 4.1638% | 1,764 |
| Noninterest income to average assets | 0.1701% | 6,178 |
| Noninterest expense to average assets | 2.3379% | 5,597 |
| Loan and lease loss provision to assets | 0.3955% | 1,646 |
| Net operating income to assets | 0.9200% | 2,713 |
| Return on assets (ROA) | 0.9200% | 2,952 |
| Pretax return on assets | 1.3906% | 2,072 |
| Return on Equity (ROE) | 10.5544% | 1,953 |
| Retained earnings to average equity (ytd only) | 8.4898% | 969 |
| Net charge-offs to loans | 0.5986% | 1,938 |
| Credit loss provision to net charge-offs | 80.4505% | 3,819 |
| Earnings coverage of net charge-offs (x) | 3.6331% | 3,651 |
| Efficiency ratio | 56.6894% | 5,982 |
| Assets per employee ($millions) | 5.4322% | 1,747 |
| Cash dividends to net income (ytd only)* | 19.5615% | 3,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 5,416 |
| Loan loss allowance to noncurrent loans | 40.0064% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 2.6873% | 1,796 |
| Noncurrent loans to loans | 2.8367% | 1,853 |
| Net loans and leases to total assets | 80.6341% | 408 |
| Net loans and leases to deposits | 94.5231% | 718 |
| Net loans and leases to core deposits | 102.3928% | 868 |
| Total domestic deposits to total assets | 85.3062% | 3,708 |
| Equity capital to assets | 8.4731% | 6,071 |
| Core capital (leverage) ratio | 8.7230% | 5,291 |
| Tier 1 risk-based capital ratio | 11.9135% | 5,832 |
| Total risk-based capital ratio | 13.1643% | 5,797 |
| Memoranda: | ||
| Average total assets | $252,837,800 | 2,505 |
| Average earning assets | $240,091,800 | 2,408 |
| Average equity | $22,038,200 | 2,968 |
| Average total loans | $207,641,200 | 1,942 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0455% | 1,569 |
| Cost of funding earning assets | 0.9137% | 2,080 |
| Net interest margin | 4.1319% | 1,969 |
| Noninterest income to average assets | 0.1736% | 6,267 |
| Noninterest expense to average assets | 2.3427% | 5,566 |
| Loan and lease loss provision to assets | 0.3493% | 1,869 |
| Net operating income to assets | 0.9398% | 2,800 |
| Return on assets (ROA) | 0.9398% | 3,021 |
| Pretax return on assets | 1.4083% | 2,209 |
| Return on Equity (ROE) | 10.6998% | 2,061 |
| Retained earnings to average equity (ytd only) | 7.9163% | 1,647 |
| Net charge-offs to loans | 0.6713% | 1,638 |
| Credit loss provision to net charge-offs | 63.2296% | 4,066 |
| Earnings coverage of net charge-offs (x) | 3.1819% | 3,757 |
| Efficiency ratio | 57.1354% | 5,904 |
| Assets per employee ($millions) | 5.0419% | 2,130 |
| Cash dividends to net income (ytd only)* | 26.0148% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 5,673 |
| Loan loss allowance to noncurrent loans | 27.9160% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 3.4515% | 1,457 |
| Noncurrent loans to loans | 3.9790% | 1,293 |
| Net loans and leases to total assets | 84.0148% | 227 |
| Net loans and leases to deposits | 98.0887% | 535 |
| Net loans and leases to core deposits | 107.7935% | 658 |
| Total domestic deposits to total assets | 85.6518% | 3,439 |
| Equity capital to assets | 8.9026% | 5,916 |
| Core capital (leverage) ratio | 8.9113% | 5,180 |
| Tier 1 risk-based capital ratio | 12.0393% | 5,918 |
| Total risk-based capital ratio | 13.2895% | 5,903 |
| Memoranda: | ||
| Average total assets | $248,144,500 | 2,572 |
| Average earning assets | $235,820,250 | 2,470 |
| Average equity | $21,794,250 | 3,021 |
| Average total loans | $204,170,250 | 1,992 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9991% | 1,792 |
| Cost of funding earning assets | 0.9242% | 2,233 |
| Net interest margin | 4.0749% | 2,187 |
| Noninterest income to average assets | 0.1726% | 6,318 |
| Noninterest expense to average assets | 2.2607% | 5,842 |
| Loan and lease loss provision to assets | 0.4051% | 1,621 |
| Net operating income to assets | 0.9375% | 2,727 |
| Return on assets (ROA) | 0.9375% | 2,988 |
| Pretax return on assets | 1.3832% | 2,266 |
| Return on Equity (ROE) | 10.7239% | 2,087 |
| Retained earnings to average equity (ytd only) | 6.7013% | 2,270 |
| Net charge-offs to loans | 0.9540% | 1,159 |
| Credit loss provision to net charge-offs | 52.1921% | 3,989 |
| Earnings coverage of net charge-offs (x) | 2.3038% | 3,846 |
| Efficiency ratio | 55.8335% | 6,133 |
| Assets per employee ($millions) | 5.3029% | 1,817 |
| Cash dividends to net income (ytd only)* | 37.5108% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 5,740 |
| Loan loss allowance to noncurrent loans | 29.9466% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 3.0802% | 1,780 |
| Noncurrent loans to loans | 3.7096% | 1,527 |
| Net loans and leases to total assets | 82.1125% | 332 |
| Net loans and leases to deposits | 96.4503% | 600 |
| Net loans and leases to core deposits | 106.1374% | 735 |
| Total domestic deposits to total assets | 85.1345% | 3,799 |
| Equity capital to assets | 8.7753% | 5,945 |
| Core capital (leverage) ratio | 8.8377% | 5,151 |
| Tier 1 risk-based capital ratio | 12.0341% | 5,906 |
| Total risk-based capital ratio | 13.2846% | 5,888 |
| Memoranda: | ||
| Average total assets | $246,827,670 | 2,585 |
| Average earning assets | $234,800,670 | 2,476 |
| Average equity | $21,578,000 | 3,036 |
| Average total loans | $200,835,000 | 2,014 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 2,259 |
| Cost of funding earning assets | 0.9404% | 2,372 |
| Net interest margin | 3.9552% | 2,691 |
| Noninterest income to average assets | 0.1694% | 6,366 |
| Noninterest expense to average assets | 2.2718% | 5,849 |
| Loan and lease loss provision to assets | 0.2443% | 2,511 |
| Net operating income to assets | 0.9217% | 2,821 |
| Return on assets (ROA) | 0.9217% | 3,028 |
| Pretax return on assets | 1.4135% | 2,149 |
| Return on Equity (ROE) | 10.5639% | 2,207 |
| Retained earnings to average equity (ytd only) | 10.5639% | 1,153 |
| Net charge-offs to loans | 0.0910% | 3,609 |
| Credit loss provision to net charge-offs | 333.3333% | 895 |
| Earnings coverage of net charge-offs (x) | 22.6222% | 1,120 |
| Efficiency ratio | 57.8119% | 5,940 |
| Assets per employee ($millions) | 5.8863% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 4,452 |
| Loan loss allowance to noncurrent loans | 31.1459% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 3.7169% | 1,520 |
| Noncurrent loans to loans | 4.6052% | 1,247 |
| Net loans and leases to total assets | 79.5526% | 454 |
| Net loans and leases to deposits | 93.3835% | 705 |
| Net loans and leases to core deposits | 102.6236% | 829 |
| Total domestic deposits to total assets | 85.1892% | 3,939 |
| Equity capital to assets | 8.7827% | 5,765 |
| Core capital (leverage) ratio | 8.9550% | 4,909 |
| Tier 1 risk-based capital ratio | 12.3667% | 5,711 |
| Total risk-based capital ratio | 13.6217% | 5,666 |
| Memoranda: | ||
| Average total assets | $245,624,000 | 2,605 |
| Average earning assets | $233,514,500 | 2,504 |
| Average equity | $21,431,500 | 3,054 |
| Average total loans | $197,776,500 | 2,053 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 2,147 |
| Cost of funding earning assets | 1.1070% | 2,625 |
| Net interest margin | 4.0734% | 2,554 |
| Noninterest income to average assets | 0.1148% | 6,575 |
| Noninterest expense to average assets | 2.3074% | 6,023 |
| Loan and lease loss provision to assets | 0.2126% | 4,065 |
| Net operating income to assets | 0.9810% | 2,277 |
| Return on assets (ROA) | 0.9810% | 2,413 |
| Pretax return on assets | 1.4628% | 1,581 |
| Return on Equity (ROE) | 11.4554% | 1,571 |
| Retained earnings to average equity (ytd only) | 9.1166% | 772 |
| Net charge-offs to loans | 0.0772% | 5,549 |
| Credit loss provision to net charge-offs | 340.1361% | 681 |
| Earnings coverage of net charge-offs (x) | 26.8027% | 929 |
| Efficiency ratio | 57.9329% | 6,065 |
| Assets per employee ($millions) | 5.5460% | 1,588 |
| Cash dividends to net income (ytd only)* | 20.4161% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 4,425 |
| Loan loss allowance to noncurrent loans | 37.1113% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 3.0444% | 1,972 |
| Noncurrent loans to loans | 3.7900% | 1,657 |
| Net loans and leases to total assets | 79.1975% | 578 |
| Net loans and leases to deposits | 92.6165% | 911 |
| Net loans and leases to core deposits | 104.2063% | 891 |
| Total domestic deposits to total assets | 85.5112% | 3,588 |
| Equity capital to assets | 8.6672% | 5,938 |
| Core capital (leverage) ratio | 8.8306% | 5,061 |
| Tier 1 risk-based capital ratio | 12.1921% | 5,695 |
| Total risk-based capital ratio | 13.4463% | 5,664 |
| Memoranda: | ||
| Average total assets | $235,158,800 | 2,678 |
| Average earning assets | $223,304,000 | 2,575 |
| Average equity | $20,139,000 | 3,115 |
| Average total loans | $190,345,400 | 2,128 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2072% | 2,186 |
| Cost of funding earning assets | 1.1350% | 2,736 |
| Net interest margin | 4.0722% | 2,586 |
| Noninterest income to average assets | 0.1826% | 6,290 |
| Noninterest expense to average assets | 2.3994% | 5,764 |
| Loan and lease loss provision to assets | 0.2164% | 3,850 |
| Net operating income to assets | 0.9667% | 2,449 |
| Return on assets (ROA) | 0.9667% | 2,617 |
| Pretax return on assets | 1.4338% | 1,834 |
| Return on Equity (ROE) | 11.3241% | 1,752 |
| Retained earnings to average equity (ytd only) | 8.1662% | 1,445 |
| Net charge-offs to loans | 0.0014% | 6,181 |
| Credit loss provision to net charge-offs | 18,900.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 1,439.6629% | 8 |
| Efficiency ratio | 59.2509% | 5,831 |
| Assets per employee ($millions) | 5.6696% | 1,444 |
| Cash dividends to net income (ytd only)* | 27.8862% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 4,329 |
| Loan loss allowance to noncurrent loans | 36.1650% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 3.3268% | 1,909 |
| Noncurrent loans to loans | 4.0115% | 1,650 |
| Net loans and leases to total assets | 79.3046% | 582 |
| Net loans and leases to deposits | 92.8542% | 929 |
| Net loans and leases to core deposits | 106.8582% | 818 |
| Total domestic deposits to total assets | 85.4077% | 3,549 |
| Equity capital to assets | 8.6236% | 6,171 |
| Core capital (leverage) ratio | 8.5878% | 5,574 |
| Tier 1 risk-based capital ratio | 12.0148% | 5,885 |
| Total risk-based capital ratio | 13.2694% | 5,871 |
| Memoranda: | ||
| Average total assets | $232,942,750 | 2,699 |
| Average earning assets | $221,202,250 | 2,615 |
| Average equity | $19,886,250 | 3,164 |
| Average total loans | $188,927,500 | 2,158 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2307% | 2,143 |
| Cost of funding earning assets | 1.1554% | 2,871 |
| Net interest margin | 4.0753% | 2,509 |
| Noninterest income to average assets | 0.1661% | 6,468 |
| Noninterest expense to average assets | 2.3934% | 5,867 |
| Loan and lease loss provision to assets | 0.2180% | 3,740 |
| Net operating income to assets | 0.9365% | 2,490 |
| Return on assets (ROA) | 0.9377% | 2,585 |
| Pretax return on assets | 1.4281% | 1,730 |
| Return on Equity (ROE) | 11.0219% | 1,790 |
| Retained earnings to average equity (ytd only) | 6.2328% | 2,273 |
| Net charge-offs to loans | 0.0404% | 5,282 |
| Credit loss provision to net charge-offs | 663.1579% | 472 |
| Earnings coverage of net charge-offs (x) | 50.0263% | 624 |
| Efficiency ratio | 59.2759% | 5,986 |
| Assets per employee ($millions) | 6.0704% | 1,149 |
| Cash dividends to net income (ytd only)* | 43.4502% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 4,695 |
| Loan loss allowance to noncurrent loans | 52.0167% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 2.2560% | 2,909 |
| Noncurrent loans to loans | 2.6466% | 2,747 |
| Net loans and leases to total assets | 79.2197% | 617 |
| Net loans and leases to deposits | 92.2360% | 1,031 |
| Net loans and leases to core deposits | 109.7947% | 729 |
| Total domestic deposits to total assets | 85.8881% | 3,384 |
| Equity capital to assets | 8.4163% | 6,284 |
| Core capital (leverage) ratio | 8.4308% | 5,663 |
| Tier 1 risk-based capital ratio | 11.5681% | 6,116 |
| Total risk-based capital ratio | 12.8215% | 6,103 |
| Memoranda: | ||
| Average total assets | $231,215,330 | 2,744 |
| Average earning assets | $219,665,000 | 2,650 |
| Average equity | $19,670,000 | 3,178 |
| Average total loans | $188,028,670 | 2,193 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2480% | 2,058 |
| Cost of funding earning assets | 1.1772% | 2,969 |
| Net interest margin | 4.0707% | 2,389 |
| Noninterest income to average assets | 0.1628% | 6,563 |
| Noninterest expense to average assets | 2.6124% | 5,173 |
| Loan and lease loss provision to assets | 0.2206% | 3,452 |
| Net operating income to assets | 0.7827% | 3,110 |
| Return on assets (ROA) | 0.7827% | 3,183 |
| Pretax return on assets | 1.2046% | 2,353 |
| Return on Equity (ROE) | 9.1493% | 2,406 |
| Retained earnings to average equity (ytd only) | 8.7809% | 1,456 |
| Net charge-offs to loans | 0.0749% | 4,191 |
| Credit loss provision to net charge-offs | 360.0000% | 909 |
| Earnings coverage of net charge-offs (x) | 23.2571% | 1,024 |
| Efficiency ratio | 64.7008% | 5,241 |
| Assets per employee ($millions) | 5.4470% | 1,621 |
| Cash dividends to net income (ytd only)* | 4.0268% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 4,970 |
| Loan loss allowance to noncurrent loans | 73.8384% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.6116% | 3,828 |
| Noncurrent loans to loans | 1.8074% | 3,818 |
| Net loans and leases to total assets | 80.6298% | 458 |
| Net loans and leases to deposits | 93.8556% | 845 |
| Net loans and leases to core deposits | 110.6552% | 692 |
| Total domestic deposits to total assets | 85.9084% | 3,576 |
| Equity capital to assets | 8.6365% | 5,731 |
| Core capital (leverage) ratio | 8.6233% | 5,224 |
| Tier 1 risk-based capital ratio | 11.8804% | 5,798 |
| Total risk-based capital ratio | 13.1338% | 5,794 |
| Memoranda: | ||
| Average total assets | $228,451,000 | 2,785 |
| Average earning assets | $217,456,000 | 2,696 |
| Average equity | $19,542,500 | 3,180 |
| Average total loans | $186,960,000 | 2,224 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4409% | 2,502 |
| Cost of funding earning assets | 1.4729% | 2,804 |
| Net interest margin | 3.9680% | 3,164 |
| Noninterest income to average assets | 0.1924% | 6,391 |
| Noninterest expense to average assets | 2.3106% | 6,328 |
| Loan and lease loss provision to assets | 0.2915% | 4,465 |
| Net operating income to assets | 0.8977% | 2,394 |
| Return on assets (ROA) | 0.8977% | 2,529 |
| Pretax return on assets | 1.3604% | 1,770 |
| Return on Equity (ROE) | 10.8234% | 1,636 |
| Retained earnings to average equity (ytd only) | 8.0716% | 960 |
| Net charge-offs to loans | 0.2801% | 4,622 |
| Credit loss provision to net charge-offs | 131.0484% | 3,024 |
| Earnings coverage of net charge-offs (x) | 7.4274% | 2,132 |
| Efficiency ratio | 58.3116% | 6,305 |
| Assets per employee ($millions) | 5.0695% | 2,060 |
| Cash dividends to net income (ytd only)* | 25.4246% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 5,073 |
| Loan loss allowance to noncurrent loans | 57.7746% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 2.0984% | 3,224 |
| Noncurrent loans to loans | 2.2256% | 3,299 |
| Net loans and leases to total assets | 80.9024% | 553 |
| Net loans and leases to deposits | 95.7942% | 886 |
| Net loans and leases to core deposits | 112.3023% | 800 |
| Total domestic deposits to total assets | 84.4543% | 4,143 |
| Equity capital to assets | 8.4720% | 5,892 |
| Core capital (leverage) ratio | 8.4843% | 5,395 |
| Tier 1 risk-based capital ratio | 11.6263% | 5,795 |
| Total risk-based capital ratio | 12.8789% | 5,797 |
| Memoranda: | ||
| Average total assets | $223,016,600 | 2,829 |
| Average earning assets | $211,896,800 | 2,728 |
| Average equity | $18,497,000 | 3,354 |
| Average total loans | $177,080,800 | 2,387 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4416% | 2,680 |
| Cost of funding earning assets | 1.5272% | 2,793 |
| Net interest margin | 3.9145% | 3,469 |
| Noninterest income to average assets | 0.1840% | 6,564 |
| Noninterest expense to average assets | 2.3823% | 6,086 |
| Loan and lease loss provision to assets | 0.2225% | 4,830 |
| Net operating income to assets | 0.8623% | 2,775 |
| Return on assets (ROA) | 0.8623% | 2,905 |
| Pretax return on assets | 1.2982% | 2,174 |
| Return on Equity (ROE) | 10.4538% | 1,957 |
| Retained earnings to average equity (ytd only) | 6.8744% | 1,916 |
| Net charge-offs to loans | 0.2107% | 4,675 |
| Credit loss provision to net charge-offs | 134.0580% | 3,011 |
| Earnings coverage of net charge-offs (x) | 9.1631% | 2,056 |
| Efficiency ratio | 61.0384% | 5,788 |
| Assets per employee ($millions) | 5.2303% | 1,894 |
| Cash dividends to net income (ytd only)* | 34.2399% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 5,053 |
| Loan loss allowance to noncurrent loans | 44.5204% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 2.3877% | 2,992 |
| Noncurrent loans to loans | 2.8788% | 2,773 |
| Net loans and leases to total assets | 80.2760% | 700 |
| Net loans and leases to deposits | 94.8445% | 1,114 |
| Net loans and leases to core deposits | 112.4163% | 911 |
| Total domestic deposits to total assets | 84.6397% | 3,808 |
| Equity capital to assets | 8.3533% | 6,447 |
| Core capital (leverage) ratio | 8.3490% | 5,792 |
| Tier 1 risk-based capital ratio | 11.5207% | 5,916 |
| Total risk-based capital ratio | 12.7732% | 5,898 |
| Memoranda: | ||
| Average total assets | $221,738,750 | 2,888 |
| Average earning assets | $210,666,500 | 2,783 |
| Average equity | $18,289,500 | 3,428 |
| Average total loans | $174,609,750 | 2,451 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4051% | 2,955 |
| Cost of funding earning assets | 1.5657% | 2,865 |
| Net interest margin | 3.8394% | 3,718 |
| Noninterest income to average assets | 0.1885% | 6,554 |
| Noninterest expense to average assets | 2.3364% | 6,254 |
| Loan and lease loss provision to assets | 0.2266% | 4,639 |
| Net operating income to assets | 0.8329% | 2,813 |
| Return on assets (ROA) | 0.8329% | 2,966 |
| Pretax return on assets | 1.2724% | 2,179 |
| Return on Equity (ROE) | 10.1414% | 2,052 |
| Retained earnings to average equity (ytd only) | 4.9438% | 2,940 |
| Net charge-offs to loans | 0.1234% | 4,954 |
| Credit loss provision to net charge-offs | 235.8491% | 1,637 |
| Earnings coverage of net charge-offs (x) | 15.6038% | 1,449 |
| Efficiency ratio | 60.9168% | 5,871 |
| Assets per employee ($millions) | 4.9958% | 2,195 |
| Cash dividends to net income (ytd only)* | 51.2514% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 4,624 |
| Loan loss allowance to noncurrent loans | 35.3567% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 3.1551% | 2,247 |
| Noncurrent loans to loans | 3.8469% | 1,998 |
| Net loans and leases to total assets | 77.2272% | 1,251 |
| Net loans and leases to deposits | 93.7527% | 1,310 |
| Net loans and leases to core deposits | 109.4547% | 1,200 |
| Total domestic deposits to total assets | 82.3733% | 4,840 |
| Equity capital to assets | 8.1335% | 6,618 |
| Core capital (leverage) ratio | 8.2551% | 5,846 |
| Tier 1 risk-based capital ratio | 11.4691% | 5,800 |
| Total risk-based capital ratio | 12.7222% | 5,771 |
| Memoranda: | ||
| Average total assets | $220,683,670 | 2,929 |
| Average earning assets | $209,617,330 | 2,818 |
| Average equity | $18,123,670 | 3,443 |
| Average total loans | $171,850,330 | 2,515 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3658% | 3,209 |
| Cost of funding earning assets | 1.5683% | 3,148 |
| Net interest margin | 3.7975% | 3,807 |
| Noninterest income to average assets | 0.2068% | 6,482 |
| Noninterest expense to average assets | 2.4225% | 6,006 |
| Loan and lease loss provision to assets | 0.2196% | 4,303 |
| Net operating income to assets | 0.7959% | 2,981 |
| Return on assets (ROA) | 0.7959% | 3,091 |
| Pretax return on assets | 1.1710% | 2,470 |
| Return on Equity (ROE) | 9.6436% | 2,231 |
| Retained earnings to average equity (ytd only) | 9.2446% | 1,337 |
| Net charge-offs to loans | 0.0565% | 4,843 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 31.6667% | 843 |
| Efficiency ratio | 63.5317% | 5,583 |
| Assets per employee ($millions) | 5.2791% | 1,883 |
| Cash dividends to net income (ytd only)* | 4.1379% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 4,580 |
| Loan loss allowance to noncurrent loans | 38.7448% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 2.8089% | 2,589 |
| Noncurrent loans to loans | 3.5345% | 2,256 |
| Net loans and leases to total assets | 76.2062% | 1,497 |
| Net loans and leases to deposits | 95.6550% | 1,153 |
| Net loans and leases to core deposits | 110.6443% | 1,235 |
| Total domestic deposits to total assets | 79.6678% | 5,894 |
| Equity capital to assets | 8.2346% | 6,386 |
| Core capital (leverage) ratio | 8.3693% | 5,610 |
| Tier 1 risk-based capital ratio | 11.7055% | 5,488 |
| Total risk-based capital ratio | 12.9589% | 5,435 |
| Memoranda: | ||
| Average total assets | $218,619,500 | 3,007 |
| Average earning assets | $207,610,500 | 2,906 |
| Average equity | $18,043,000 | 3,472 |
| Average total loans | $169,770,500 | 2,612 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4748% | 4,294 |
| Cost of funding earning assets | 1.9884% | 3,011 |
| Net interest margin | 3.4864% | 5,015 |
| Noninterest income to average assets | 0.1719% | 6,848 |
| Noninterest expense to average assets | 2.4211% | 6,402 |
| Loan and lease loss provision to assets | 0.2026% | 5,719 |
| Net operating income to assets | 0.5781% | 3,419 |
| Return on assets (ROA) | 0.5781% | 3,492 |
| Pretax return on assets | 0.8752% | 3,004 |
| Return on Equity (ROE) | 6.7970% | 2,871 |
| Retained earnings to average equity (ytd only) | 3.3727% | 2,809 |
| Net charge-offs to loans | 0.1181% | 5,993 |
| Credit loss provision to net charge-offs | 221.2766% | 1,707 |
| Earnings coverage of net charge-offs (x) | 11.7713% | 1,568 |
| Efficiency ratio | 69.1954% | 4,786 |
| Assets per employee ($millions) | 5.2565% | 1,881 |
| Cash dividends to net income (ytd only)* | 50.3791% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 4,548 |
| Loan loss allowance to noncurrent loans | 31.6723% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 3.3765% | 2,012 |
| Noncurrent loans to loans | 4.2228% | 1,724 |
| Net loans and leases to total assets | 77.0143% | 1,582 |
| Net loans and leases to deposits | 99.8935% | 915 |
| Net loans and leases to core deposits | 133.7386% | 1,071 |
| Total domestic deposits to total assets | 77.0965% | 6,451 |
| Equity capital to assets | 8.2722% | 6,236 |
| Core capital (leverage) ratio | 8.4260% | 5,399 |
| Tier 1 risk-based capital ratio | 11.5288% | 5,371 |
| Total risk-based capital ratio | 12.7812% | 5,323 |
| Memoranda: | ||
| Average total assets | $205,319,600 | 3,114 |
| Average earning assets | $195,932,800 | 3,019 |
| Average equity | $17,463,600 | 3,589 |
| Average total loans | $159,203,000 | 2,773 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5368% | 4,234 |
| Cost of funding earning assets | 2.0928% | 2,919 |
| Net interest margin | 3.4440% | 5,092 |
| Noninterest income to average assets | 0.1795% | 6,938 |
| Noninterest expense to average assets | 2.4040% | 6,406 |
| Loan and lease loss provision to assets | 0.1775% | 5,584 |
| Net operating income to assets | 0.5931% | 3,625 |
| Return on assets (ROA) | 0.5931% | 3,688 |
| Pretax return on assets | 0.8897% | 3,260 |
| Return on Equity (ROE) | 6.9227% | 3,106 |
| Retained earnings to average equity (ytd only) | 2.4790% | 3,939 |
| Net charge-offs to loans | 0.1376% | 5,323 |
| Credit loss provision to net charge-offs | 166.6667% | 2,812 |
| Earnings coverage of net charge-offs (x) | 10.0188% | 2,021 |
| Efficiency ratio | 69.2555% | 4,731 |
| Assets per employee ($millions) | 5.4389% | 1,679 |
| Cash dividends to net income (ytd only)* | 64.1904% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 4,368 |
| Loan loss allowance to noncurrent loans | 62.7208% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.7443% | 3,746 |
| Noncurrent loans to loans | 2.1091% | 3,495 |
| Net loans and leases to total assets | 74.9031% | 2,264 |
| Net loans and leases to deposits | 93.0473% | 2,053 |
| Net loans and leases to core deposits | 127.7996% | 1,600 |
| Total domestic deposits to total assets | 80.5000% | 5,246 |
| Equity capital to assets | 8.2789% | 6,533 |
| Core capital (leverage) ratio | 8.2607% | 5,902 |
| Tier 1 risk-based capital ratio | 11.9106% | 5,051 |
| Total risk-based capital ratio | 13.1630% | 4,989 |
| Memoranda: | ||
| Average total assets | $202,770,250 | 3,175 |
| Average earning assets | $193,800,500 | 3,071 |
| Average equity | $17,372,500 | 3,633 |
| Average total loans | $156,946,500 | 2,841 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6304% | 3,910 |
| Cost of funding earning assets | 2.1497% | 3,046 |
| Net interest margin | 3.4807% | 4,892 |
| Noninterest income to average assets | 0.1633% | 7,108 |
| Noninterest expense to average assets | 2.4703% | 6,223 |
| Loan and lease loss provision to assets | 0.1803% | 5,245 |
| Net operating income to assets | 0.5580% | 3,848 |
| Return on assets (ROA) | 0.5580% | 3,960 |
| Pretax return on assets | 0.8344% | 3,558 |
| Return on Equity (ROE) | 6.4357% | 3,467 |
| Retained earnings to average equity (ytd only) | -0.0116% | 5,214 |
| Net charge-offs to loans | 0.0836% | 5,368 |
| Credit loss provision to net charge-offs | 276.9231% | 1,690 |
| Earnings coverage of net charge-offs (x) | 15.5846% | 1,586 |
| Efficiency ratio | 70.8824% | 4,610 |
| Assets per employee ($millions) | 4.8160% | 2,300 |
| Cash dividends to net income (ytd only)* | 100.1795% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 3,892 |
| Loan loss allowance to noncurrent loans | 55.5787% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 1.9552% | 3,258 |
| Noncurrent loans to loans | 2.4629% | 2,937 |
| Net loans and leases to total assets | 74.3543% | 2,605 |
| Net loans and leases to deposits | 94.3649% | 2,034 |
| Net loans and leases to core deposits | 133.4182% | 1,348 |
| Total domestic deposits to total assets | 78.7944% | 5,864 |
| Equity capital to assets | 8.3129% | 6,313 |
| Core capital (leverage) ratio | 8.5195% | 5,412 |
| Tier 1 risk-based capital ratio | 12.1750% | 4,779 |
| Total risk-based capital ratio | 13.4285% | 4,688 |
| Memoranda: | ||
| Average total assets | $199,654,330 | 3,232 |
| Average earning assets | $190,537,000 | 3,132 |
| Average equity | $17,309,670 | 3,658 |
| Average total loans | $155,591,000 | 2,895 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6594% | 4,000 |
| Cost of funding earning assets | 2.2149% | 3,093 |
| Net interest margin | 3.4445% | 4,961 |
| Noninterest income to average assets | 0.1674% | 7,107 |
| Noninterest expense to average assets | 2.3967% | 6,198 |
| Loan and lease loss provision to assets | 0.1837% | 4,602 |
| Net operating income to assets | 0.5839% | 4,089 |
| Return on assets (ROA) | 0.5839% | 4,281 |
| Pretax return on assets | 0.8697% | 3,828 |
| Return on Equity (ROE) | 6.5910% | 3,787 |
| Retained earnings to average equity (ytd only) | 5.8535% | 2,689 |
| Net charge-offs to loans | -0.0052% | 7,183 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4675% | 4,686 |
| Assets per employee ($millions) | 4.6759% | 2,471 |
| Cash dividends to net income (ytd only)* | 11.1888% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 3,685 |
| Loan loss allowance to noncurrent loans | 42.1116% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 2.6320% | 2,183 |
| Noncurrent loans to loans | 3.2518% | 1,981 |
| Net loans and leases to total assets | 77.5307% | 1,926 |
| Net loans and leases to deposits | 102.8665% | 1,106 |
| Net loans and leases to core deposits | 144.4122% | 917 |
| Total domestic deposits to total assets | 75.3702% | 6,633 |
| Equity capital to assets | 8.9130% | 5,457 |
| Core capital (leverage) ratio | 9.0886% | 4,573 |
| Tier 1 risk-based capital ratio | 12.6235% | 4,454 |
| Total risk-based capital ratio | 13.8772% | 4,371 |
| Memoranda: | ||
| Average total assets | $195,938,000 | 3,287 |
| Average earning assets | $186,734,500 | 3,200 |
| Average equity | $17,357,000 | 3,661 |
| Average total loans | $155,329,000 | 2,926 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1773% | 4,629 |
| Cost of funding earning assets | 2.9296% | 2,144 |
| Net interest margin | 3.2477% | 6,219 |
| Noninterest income to average assets | 0.1694% | 7,213 |
| Noninterest expense to average assets | 2.2467% | 6,848 |
| Loan and lease loss provision to assets | 0.1894% | 4,991 |
| Net operating income to assets | 0.5763% | 4,413 |
| Return on assets (ROA) | 0.5763% | 4,278 |
| Pretax return on assets | 0.8441% | 3,910 |
| Return on Equity (ROE) | 7.0783% | 3,488 |
| Retained earnings to average equity (ytd only) | 6.8257% | 1,210 |
| Net charge-offs to loans | 0.1834% | 4,366 |
| Credit loss provision to net charge-offs | 130.1115% | 4,085 |
| Earnings coverage of net charge-offs (x) | 7.1004% | 3,187 |
| Efficiency ratio | 68.4922% | 4,634 |
| Assets per employee ($millions) | 4.6545% | 2,395 |
| Cash dividends to net income (ytd only)* | 3.5681% | 4,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 3,829 |
| Loan loss allowance to noncurrent loans | 52.9874% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 2.0303% | 2,423 |
| Noncurrent loans to loans | 2.4417% | 2,244 |
| Net loans and leases to total assets | 78.9107% | 1,914 |
| Net loans and leases to deposits | 108.4924% | 941 |
| Net loans and leases to core deposits | 158.0916% | 618 |
| Total domestic deposits to total assets | 72.7339% | 6,877 |
| Equity capital to assets | 8.8036% | 5,647 |
| Core capital (leverage) ratio | 9.0846% | 4,622 |
| Tier 1 risk-based capital ratio | 12.3773% | 4,520 |
| Total risk-based capital ratio | 13.6297% | 4,422 |
| Memoranda: | ||
| Average total assets | $184,806,200 | 3,344 |
| Average earning assets | $177,019,200 | 3,228 |
| Average equity | $15,046,000 | 4,133 |
| Average total loans | $146,711,000 | 2,984 |