Home > Main Street Bank > Performance and Condition Ratios
Main Street Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9381% | 2,199 |
| Cost of funding earning assets | 2.1088% | 763 |
| Net interest margin | 2.8293% | 3,606 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.2790% | 2,906 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.4027% | 3,863 |
| Return on assets (ROA) | 0.3878% | 3,889 |
| Pretax return on assets | 0.4963% | 3,816 |
| Return on Equity (ROE) | 4.4200% | 3,829 |
| Retained earnings to average equity (ytd only) | 4.4200% | 2,824 |
| Net charge-offs to loans | 0.0033% | 2,652 |
| Credit loss provision to net charge-offs | 3,536.5854% | 144 |
| Earnings coverage of net charge-offs (x) | 239.7805% | 515 |
| Efficiency ratio | 76.1425% | 1,231 |
| Assets per employee ($millions) | 10.1618% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 3,269 |
| Loan loss allowance to noncurrent loans | 182.3734% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4493% | 1,237 |
| Noncurrent loans to loans | 0.5520% | 1,419 |
| Net loans and leases to total assets | 80.5700% | 575 |
| Net loans and leases to deposits | 97.4267% | 684 |
| Net loans and leases to core deposits | 132.3547% | 371 |
| Total domestic deposits to total assets | 82.7000% | 2,961 |
| Equity capital to assets | 8.3444% | 3,163 |
| Core capital (leverage) ratio | 9.4929% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,597,469,200 | 683 |
| Average earning assets | $1,507,804,200 | 665 |
| Average equity | $140,158,800 | 712 |
| Average total loans | $1,256,185,000 | 608 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7804% | 2,310 |
| Cost of funding earning assets | 1.9188% | 833 |
| Net interest margin | 2.8616% | 3,613 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.3105% | 2,759 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.4261% | 3,916 |
| Return on assets (ROA) | 0.3988% | 3,960 |
| Pretax return on assets | 0.5106% | 3,890 |
| Return on Equity (ROE) | 4.4800% | 3,904 |
| Retained earnings to average equity (ytd only) | 4.4849% | 3,115 |
| Net charge-offs to loans | 0.0049% | 2,290 |
| Credit loss provision to net charge-offs | 2,000.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 165.5333% | 682 |
| Efficiency ratio | 75.8483% | 1,186 |
| Assets per employee ($millions) | 9.0893% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 3,356 |
| Loan loss allowance to noncurrent loans | 290.9091% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 1,902 |
| Noncurrent loans to loans | 0.3443% | 1,992 |
| Net loans and leases to total assets | 79.5000% | 704 |
| Net loans and leases to deposits | 97.2092% | 665 |
| Net loans and leases to core deposits | 132.9749% | 307 |
| Total domestic deposits to total assets | 81.7900% | 3,253 |
| Equity capital to assets | 8.0855% | 2,998 |
| Core capital (leverage) ratio | 9.9712% | 2,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,564,958,750 | 697 |
| Average earning assets | $1,474,240,250 | 677 |
| Average equity | $139,161,000 | 712 |
| Average total loans | $1,218,722,000 | 620 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 2,286 |
| Cost of funding earning assets | 1.7120% | 867 |
| Net interest margin | 2.9493% | 3,562 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.3798% | 2,555 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.4470% | 3,917 |
| Return on assets (ROA) | 0.4084% | 4,000 |
| Pretax return on assets | 0.5105% | 3,950 |
| Return on Equity (ROE) | 4.4400% | 3,961 |
| Retained earnings to average equity (ytd only) | 4.4434% | 3,096 |
| Net charge-offs to loans | 0.0145% | 1,655 |
| Credit loss provision to net charge-offs | 705.8824% | 518 |
| Earnings coverage of net charge-offs (x) | 57.1294% | 1,218 |
| Efficiency ratio | 76.2566% | 1,152 |
| Assets per employee ($millions) | 8.5837% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 3,148 |
| Loan loss allowance to noncurrent loans | 328.5431% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 1,940 |
| Noncurrent loans to loans | 0.3221% | 1,984 |
| Net loans and leases to total assets | 77.2400% | 911 |
| Net loans and leases to deposits | 96.6887% | 692 |
| Net loans and leases to core deposits | 118.6468% | 549 |
| Total domestic deposits to total assets | 79.8800% | 3,597 |
| Equity capital to assets | 8.7959% | 2,664 |
| Core capital (leverage) ratio | 10.5881% | 2,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,523,073,667 | 699 |
| Average earning assets | $1,435,856,000 | 681 |
| Average equity | $139,983,000 | 701 |
| Average total loans | $1,172,390,000 | 630 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 2,208 |
| Cost of funding earning assets | 1.4476% | 943 |
| Net interest margin | 3.0971% | 3,353 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.3546% | 2,654 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.5870% | 3,715 |
| Return on assets (ROA) | 0.5036% | 3,854 |
| Pretax return on assets | 0.6437% | 3,769 |
| Return on Equity (ROE) | 5.3600% | 3,834 |
| Retained earnings to average equity (ytd only) | 5.3551% | 2,938 |
| Net charge-offs to loans | 0.0011% | 2,018 |
| Credit loss provision to net charge-offs | 10,000.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 1,025.3333% | 99 |
| Efficiency ratio | 71.3898% | 1,588 |
| Assets per employee ($millions) | 8.1104% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 2,925 |
| Loan loss allowance to noncurrent loans | 371.3554% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 1,944 |
| Noncurrent loans to loans | 0.3034% | 2,059 |
| Net loans and leases to total assets | 76.2900% | 946 |
| Net loans and leases to deposits | 91.2442% | 963 |
| Net loans and leases to core deposits | 110.8158% | 675 |
| Total domestic deposits to total assets | 83.6100% | 3,170 |
| Equity capital to assets | 9.4380% | 2,192 |
| Core capital (leverage) ratio | 10.7452% | 2,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,482,039,000 | 729 |
| Average earning assets | $1,399,516,000 | 706 |
| Average equity | $139,381,500 | 712 |
| Average total loans | $1,132,088,500 | 653 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 2,504 |
| Cost of funding earning assets | 0.4648% | 1,621 |
| Net interest margin | 3.2440% | 2,722 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.3469% | 2,593 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.8012% | 3,321 |
| Return on assets (ROA) | 0.7285% | 3,480 |
| Pretax return on assets | 0.9688% | 3,161 |
| Return on Equity (ROE) | 7.2700% | 3,569 |
| Retained earnings to average equity (ytd only) | 7.2679% | 2,114 |
| Net charge-offs to loans | -0.0119% | 3,886 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.2834% | 2,323 |
| Assets per employee ($millions) | 8.0864% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 2,318 |
| Loan loss allowance to noncurrent loans | 339.4245% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 1,802 |
| Noncurrent loans to loans | 0.3581% | 1,861 |
| Net loans and leases to total assets | 74.6800% | 1,157 |
| Net loans and leases to deposits | 87.3224% | 1,222 |
| Net loans and leases to core deposits | 100.5743% | 973 |
| Total domestic deposits to total assets | 85.5200% | 2,851 |
| Equity capital to assets | 9.3706% | 2,097 |
| Core capital (leverage) ratio | 11.1189% | 1,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,408,562,000 | 742 |
| Average earning assets | $1,331,274,200 | 720 |
| Average equity | $141,195,800 | 708 |
| Average total loans | $1,028,110,200 | 663 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5818% | 2,395 |
| Cost of funding earning assets | 0.3544% | 1,667 |
| Net interest margin | 3.2274% | 2,540 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.2742% | 2,705 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.7769% | 3,334 |
| Return on assets (ROA) | 0.7042% | 3,511 |
| Pretax return on assets | 0.9366% | 3,216 |
| Return on Equity (ROE) | 6.9100% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.9071% | 2,397 |
| Net charge-offs to loans | -0.0126% | 3,803 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.7535% | 2,443 |
| Assets per employee ($millions) | 8.2118% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,263 |
| Loan loss allowance to noncurrent loans | 426.6052% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 2,127 |
| Noncurrent loans to loans | 0.2928% | 2,196 |
| Net loans and leases to total assets | 74.6900% | 1,042 |
| Net loans and leases to deposits | 85.3684% | 1,211 |
| Net loans and leases to core deposits | 93.2253% | 1,134 |
| Total domestic deposits to total assets | 87.4900% | 2,597 |
| Equity capital to assets | 9.2919% | 2,023 |
| Core capital (leverage) ratio | 11.1855% | 1,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,394,791,250 | 755 |
| Average earning assets | $1,318,602,500 | 734 |
| Average equity | $142,206,750 | 711 |
| Average total loans | $1,008,527,500 | 677 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3918% | 2,464 |
| Cost of funding earning assets | 0.2862% | 1,839 |
| Net interest margin | 3.1056% | 2,517 |
| Noninterest income to average assets | 0.2948% | 3,401 |
| Noninterest expense to average assets | 2.2368% | 2,746 |
| Loan and lease loss provision to assets | 0.0866% | 1,147 |
| Net operating income to assets | 0.6933% | 3,328 |
| Return on assets (ROA) | 0.5843% | 3,619 |
| Pretax return on assets | 0.7703% | 3,402 |
| Return on Equity (ROE) | 5.5629% | 3,688 |
| Retained earnings to average equity (ytd only) | 5.5629% | 2,487 |
| Net charge-offs to loans | -0.0229% | 3,932 |
| Credit loss provision to net charge-offs | -530.9735% | 3,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5372% | 2,436 |
| Assets per employee ($millions) | 8.2487% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 2,086 |
| Loan loss allowance to noncurrent loans | 285.0161% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3392% | 1,643 |
| Noncurrent loans to loans | 0.4641% | 1,719 |
| Net loans and leases to total assets | 72.1210% | 1,089 |
| Net loans and leases to deposits | 82.7317% | 1,195 |
| Net loans and leases to core deposits | 85.7717% | 1,354 |
| Total domestic deposits to total assets | 87.1746% | 2,877 |
| Equity capital to assets | 10.0850% | 1,667 |
| Core capital (leverage) ratio | 11.2787% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,386,172,667 | 750 |
| Average earning assets | $1,310,876,333 | 738 |
| Average equity | $145,607,333 | 705 |
| Average total loans | $986,551,667 | 678 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2801% | 2,446 |
| Cost of funding earning assets | 0.2761% | 1,860 |
| Net interest margin | 3.0040% | 2,489 |
| Noninterest income to average assets | 0.3528% | 2,984 |
| Noninterest expense to average assets | 2.2191% | 2,784 |
| Loan and lease loss provision to assets | 0.0860% | 966 |
| Net operating income to assets | 0.6751% | 3,144 |
| Return on assets (ROA) | 0.6233% | 3,301 |
| Pretax return on assets | 0.8278% | 3,021 |
| Return on Equity (ROE) | 5.8193% | 3,395 |
| Retained earnings to average equity (ytd only) | 5.8193% | 2,307 |
| Net charge-offs to loans | -0.0041% | 3,279 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6876% | 2,678 |
| Assets per employee ($millions) | 8.6631% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 2,273 |
| Loan loss allowance to noncurrent loans | 265.0423% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3561% | 1,682 |
| Noncurrent loans to loans | 0.4967% | 1,784 |
| Net loans and leases to total assets | 70.7376% | 950 |
| Net loans and leases to deposits | 81.6459% | 1,035 |
| Net loans and leases to core deposits | 84.2463% | 1,230 |
| Total domestic deposits to total assets | 86.6395% | 3,054 |
| Equity capital to assets | 10.6436% | 1,524 |
| Core capital (leverage) ratio | 10.9443% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,394,619,500 | 749 |
| Average earning assets | $1,321,181,000 | 730 |
| Average equity | $149,365,000 | 709 |
| Average total loans | $979,439,000 | 679 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5470% | 2,523 |
| Cost of funding earning assets | 0.3638% | 1,820 |
| Net interest margin | 3.1831% | 2,646 |
| Noninterest income to average assets | 0.6271% | 2,037 |
| Noninterest expense to average assets | 2.5950% | 1,883 |
| Loan and lease loss provision to assets | 0.1732% | 667 |
| Net operating income to assets | 0.6492% | 3,750 |
| Return on assets (ROA) | 0.6604% | 3,776 |
| Pretax return on assets | 0.8801% | 3,548 |
| Return on Equity (ROE) | 6.1491% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.1491% | 2,294 |
| Net charge-offs to loans | 0.0054% | 2,389 |
| Credit loss provision to net charge-offs | 4,411.7647% | 163 |
| Earnings coverage of net charge-offs (x) | 264.7059% | 445 |
| Efficiency ratio | 68.8652% | 1,872 |
| Assets per employee ($millions) | 8.5576% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,486 |
| Loan loss allowance to noncurrent loans | 190.9451% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.5150% | 1,302 |
| Noncurrent loans to loans | 0.6667% | 1,499 |
| Net loans and leases to total assets | 67.9720% | 1,271 |
| Net loans and leases to deposits | 78.8133% | 1,315 |
| Net loans and leases to core deposits | 81.3015% | 1,502 |
| Total domestic deposits to total assets | 86.2443% | 2,821 |
| Equity capital to assets | 10.7734% | 1,955 |
| Core capital (leverage) ratio | 11.0799% | 1,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,299,212,200 | 765 |
| Average earning assets | $1,227,307,800 | 757 |
| Average equity | $139,533,200 | 757 |
| Average total loans | $943,798,400 | 694 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6420% | 2,445 |
| Cost of funding earning assets | 0.3910% | 1,771 |
| Net interest margin | 3.2509% | 2,581 |
| Noninterest income to average assets | 0.5290% | 2,504 |
| Noninterest expense to average assets | 2.4316% | 2,341 |
| Loan and lease loss provision to assets | 0.2368% | 402 |
| Net operating income to assets | 0.6919% | 3,784 |
| Return on assets (ROA) | 0.7135% | 3,799 |
| Pretax return on assets | 0.9550% | 3,575 |
| Return on Equity (ROE) | 6.6496% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.6496% | 2,557 |
| Net charge-offs to loans | 0.0133% | 1,833 |
| Credit loss provision to net charge-offs | 2,419.3548% | 290 |
| Earnings coverage of net charge-offs (x) | 118.9570% | 781 |
| Efficiency ratio | 64.9846% | 2,249 |
| Assets per employee ($millions) | 7.5741% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 2,255 |
| Loan loss allowance to noncurrent loans | 284.8927% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 1,531 |
| Noncurrent loans to loans | 0.4718% | 2,142 |
| Net loans and leases to total assets | 69.5263% | 1,125 |
| Net loans and leases to deposits | 81.6486% | 1,141 |
| Net loans and leases to core deposits | 84.5380% | 1,387 |
| Total domestic deposits to total assets | 85.1531% | 3,063 |
| Equity capital to assets | 10.4592% | 2,479 |
| Core capital (leverage) ratio | 10.2201% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,266,733,500 | 794 |
| Average earning assets | $1,195,075,750 | 783 |
| Average equity | $135,925,250 | 785 |
| Average total loans | $933,765,000 | 715 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6577% | 2,450 |
| Cost of funding earning assets | 0.4202% | 1,735 |
| Net interest margin | 3.2376% | 2,646 |
| Noninterest income to average assets | 0.5941% | 2,243 |
| Noninterest expense to average assets | 2.4321% | 2,363 |
| Loan and lease loss provision to assets | 0.2401% | 417 |
| Net operating income to assets | 0.7233% | 3,704 |
| Return on assets (ROA) | 0.7708% | 3,655 |
| Pretax return on assets | 1.0364% | 3,359 |
| Return on Equity (ROE) | 7.1197% | 3,629 |
| Retained earnings to average equity (ytd only) | 7.1197% | 2,387 |
| Net charge-offs to loans | -0.0004% | 3,035 |
| Credit loss provision to net charge-offs | -75,000.0000% | 4,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0275% | 2,424 |
| Assets per employee ($millions) | 8.1035% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 2,648 |
| Loan loss allowance to noncurrent loans | 159.0561% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.6812% | 1,207 |
| Noncurrent loans to loans | 0.7912% | 1,541 |
| Net loans and leases to total assets | 71.5891% | 1,014 |
| Net loans and leases to deposits | 84.3023% | 1,042 |
| Net loans and leases to core deposits | 87.6841% | 1,295 |
| Total domestic deposits to total assets | 84.9195% | 3,127 |
| Equity capital to assets | 10.6058% | 2,304 |
| Core capital (leverage) ratio | 10.2943% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,249,680,667 | 795 |
| Average earning assets | $1,179,037,333 | 788 |
| Average equity | $135,286,667 | 783 |
| Average total loans | $935,431,333 | 716 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7834% | 2,144 |
| Cost of funding earning assets | 0.4524% | 1,703 |
| Net interest margin | 3.3310% | 2,297 |
| Noninterest income to average assets | 0.7839% | 1,625 |
| Noninterest expense to average assets | 2.4847% | 2,218 |
| Loan and lease loss provision to assets | 0.2447% | 436 |
| Net operating income to assets | 0.8804% | 3,179 |
| Return on assets (ROA) | 0.9134% | 3,173 |
| Pretax return on assets | 1.2353% | 2,746 |
| Return on Equity (ROE) | 8.3473% | 3,226 |
| Retained earnings to average equity (ytd only) | 8.3473% | 2,136 |
| Net charge-offs to loans | 0.0039% | 1,783 |
| Credit loss provision to net charge-offs | 8,333.3333% | 73 |
| Earnings coverage of net charge-offs (x) | 489.8889% | 197 |
| Efficiency ratio | 60.8432% | 2,931 |
| Assets per employee ($millions) | 7.2028% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 3,004 |
| Loan loss allowance to noncurrent loans | 136.0206% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.7739% | 1,175 |
| Noncurrent loans to loans | 0.8713% | 1,547 |
| Net loans and leases to total assets | 74.9277% | 723 |
| Net loans and leases to deposits | 89.5975% | 721 |
| Net loans and leases to core deposits | 93.6238% | 1,008 |
| Total domestic deposits to total assets | 83.6270% | 3,536 |
| Equity capital to assets | 10.8703% | 1,956 |
| Core capital (leverage) ratio | 10.5673% | 2,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,226,241,500 | 806 |
| Average earning assets | $1,155,574,500 | 793 |
| Average equity | $134,174,500 | 782 |
| Average total loans | $933,135,000 | 717 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9702% | 2,821 |
| Cost of funding earning assets | 0.6947% | 1,737 |
| Net interest margin | 3.2755% | 3,142 |
| Noninterest income to average assets | 0.7876% | 1,568 |
| Noninterest expense to average assets | 2.6920% | 2,260 |
| Loan and lease loss provision to assets | 0.4406% | 644 |
| Net operating income to assets | 0.5440% | 3,919 |
| Return on assets (ROA) | 0.6077% | 3,849 |
| Pretax return on assets | 0.8160% | 3,596 |
| Return on Equity (ROE) | 5.3074% | 3,813 |
| Retained earnings to average equity (ytd only) | 5.3074% | 2,136 |
| Net charge-offs to loans | 0.1586% | 1,032 |
| Credit loss provision to net charge-offs | 356.6334% | 1,564 |
| Earnings coverage of net charge-offs (x) | 9.5185% | 2,512 |
| Efficiency ratio | 66.7768% | 2,395 |
| Assets per employee ($millions) | 7.3102% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 3,427 |
| Loan loss allowance to noncurrent loans | 117.4858% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.8343% | 1,205 |
| Noncurrent loans to loans | 0.9428% | 1,497 |
| Net loans and leases to total assets | 75.5245% | 842 |
| Net loans and leases to deposits | 91.4039% | 820 |
| Net loans and leases to core deposits | 96.3055% | 1,100 |
| Total domestic deposits to total assets | 82.6273% | 3,510 |
| Equity capital to assets | 11.0142% | 2,242 |
| Core capital (leverage) ratio | 10.4329% | 2,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,134,902,600 | 790 |
| Average earning assets | $1,067,244,600 | 772 |
| Average equity | $129,951,400 | 770 |
| Average total loans | $883,826,200 | 728 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 2,809 |
| Cost of funding earning assets | 0.7367% | 1,820 |
| Net interest margin | 3.3177% | 3,133 |
| Noninterest income to average assets | 0.6511% | 1,981 |
| Noninterest expense to average assets | 2.6782% | 2,314 |
| Loan and lease loss provision to assets | 0.4910% | 607 |
| Net operating income to assets | 0.4527% | 4,161 |
| Return on assets (ROA) | 0.4513% | 4,232 |
| Pretax return on assets | 0.5995% | 4,102 |
| Return on Equity (ROE) | 3.9008% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.9008% | 3,100 |
| Net charge-offs to loans | 0.2039% | 751 |
| Credit loss provision to net charge-offs | 307.5769% | 1,738 |
| Earnings coverage of net charge-offs (x) | 6.8425% | 2,620 |
| Efficiency ratio | 68.0811% | 2,182 |
| Assets per employee ($millions) | 6.6630% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 3,572 |
| Loan loss allowance to noncurrent loans | 107.5546% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8572% | 1,356 |
| Noncurrent loans to loans | 0.9561% | 1,580 |
| Net loans and leases to total assets | 76.6259% | 1,017 |
| Net loans and leases to deposits | 94.2997% | 898 |
| Net loans and leases to core deposits | 99.3429% | 1,211 |
| Total domestic deposits to total assets | 81.2579% | 3,599 |
| Equity capital to assets | 11.0489% | 2,361 |
| Core capital (leverage) ratio | 10.4340% | 2,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,113,425,500 | 790 |
| Average earning assets | $1,046,829,500 | 769 |
| Average equity | $128,823,500 | 760 |
| Average total loans | $871,698,000 | 731 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1740% | 2,838 |
| Cost of funding earning assets | 0.7903% | 1,873 |
| Net interest margin | 3.3837% | 3,152 |
| Noninterest income to average assets | 0.5424% | 2,383 |
| Noninterest expense to average assets | 2.6701% | 2,469 |
| Loan and lease loss provision to assets | 0.4600% | 831 |
| Net operating income to assets | 0.4454% | 4,138 |
| Return on assets (ROA) | 0.3693% | 4,351 |
| Pretax return on assets | 0.4922% | 4,262 |
| Return on Equity (ROE) | 3.1399% | 4,319 |
| Retained earnings to average equity (ytd only) | 3.1399% | 3,328 |
| Net charge-offs to loans | 0.2064% | 751 |
| Credit loss provision to net charge-offs | 283.4467% | 1,666 |
| Earnings coverage of net charge-offs (x) | 6.4615% | 2,438 |
| Efficiency ratio | 68.7398% | 2,132 |
| Assets per employee ($millions) | 7.0621% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 3,985 |
| Loan loss allowance to noncurrent loans | 81.8815% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.8592% | 1,444 |
| Noncurrent loans to loans | 1.1049% | 1,422 |
| Net loans and leases to total assets | 77.0577% | 990 |
| Net loans and leases to deposits | 98.2535% | 641 |
| Net loans and leases to core deposits | 105.2707% | 929 |
| Total domestic deposits to total assets | 78.4274% | 4,127 |
| Equity capital to assets | 10.9912% | 2,347 |
| Core capital (leverage) ratio | 10.7242% | 2,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,087,008,667 | 793 |
| Average earning assets | $1,020,366,333 | 773 |
| Average equity | $127,838,667 | 764 |
| Average total loans | $854,465,667 | 731 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3748% | 2,702 |
| Cost of funding earning assets | 0.8914% | 1,911 |
| Net interest margin | 3.4834% | 3,039 |
| Noninterest income to average assets | 0.3791% | 3,237 |
| Noninterest expense to average assets | 2.9064% | 2,105 |
| Loan and lease loss provision to assets | 0.6170% | 444 |
| Net operating income to assets | 0.1034% | 4,654 |
| Return on assets (ROA) | -0.1388% | 4,801 |
| Pretax return on assets | -0.1944% | 4,806 |
| Return on Equity (ROE) | -1.1378% | 4,808 |
| Retained earnings to average equity (ytd only) | -1.1378% | 4,159 |
| Net charge-offs to loans | 0.0112% | 2,182 |
| Credit loss provision to net charge-offs | 6,956.5217% | 108 |
| Earnings coverage of net charge-offs (x) | 82.2174% | 662 |
| Efficiency ratio | 76.6546% | 1,493 |
| Assets per employee ($millions) | 5.9799% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 3,675 |
| Loan loss allowance to noncurrent loans | 80.3133% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.9771% | 1,358 |
| Noncurrent loans to loans | 1.2522% | 1,304 |
| Net loans and leases to total assets | 77.2447% | 1,095 |
| Net loans and leases to deposits | 100.3178% | 541 |
| Net loans and leases to core deposits | 111.2258% | 790 |
| Total domestic deposits to total assets | 77.0000% | 4,347 |
| Equity capital to assets | 11.9878% | 2,083 |
| Core capital (leverage) ratio | 11.4834% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,037,298,500 | 797 |
| Average earning assets | $969,745,500 | 779 |
| Average equity | $126,556,500 | 764 |
| Average total loans | $820,407,500 | 731 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 2,809 |
| Cost of funding earning assets | 1.0540% | 1,497 |
| Net interest margin | 3.4858% | 3,493 |
| Noninterest income to average assets | 0.4549% | 2,980 |
| Noninterest expense to average assets | 2.9646% | 2,114 |
| Loan and lease loss provision to assets | 0.1204% | 1,763 |
| Net operating income to assets | 0.4849% | 4,441 |
| Return on assets (ROA) | 0.5127% | 4,432 |
| Pretax return on assets | 0.6586% | 4,309 |
| Return on Equity (ROE) | 4.2932% | 4,399 |
| Retained earnings to average equity (ytd only) | 4.2932% | 2,811 |
| Net charge-offs to loans | 0.0520% | 2,373 |
| Credit loss provision to net charge-offs | 294.5368% | 954 |
| Earnings coverage of net charge-offs (x) | 18.1971% | 2,070 |
| Efficiency ratio | 76.9009% | 1,275 |
| Assets per employee ($millions) | 6.1214% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 4,232 |
| Loan loss allowance to noncurrent loans | 131.2719% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 2,399 |
| Noncurrent loans to loans | 0.6290% | 2,312 |
| Net loans and leases to total assets | 79.5340% | 849 |
| Net loans and leases to deposits | 100.3249% | 585 |
| Net loans and leases to core deposits | 109.5940% | 878 |
| Total domestic deposits to total assets | 79.2765% | 4,126 |
| Equity capital to assets | 12.4222% | 1,870 |
| Core capital (leverage) ratio | 11.6857% | 1,971 |
| Tier 1 risk-based capital ratio | 14.4386% | 3,053 |
| Total risk-based capital ratio | 15.2622% | 3,176 |
| Memoranda: | ||
| Average total assets | $1,029,838,200 | 762 |
| Average earning assets | $961,250,200 | 751 |
| Average equity | $122,985,400 | 742 |
| Average total loans | $809,520,200 | 708 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 2,936 |
| Cost of funding earning assets | 1.0718% | 1,463 |
| Net interest margin | 3.4654% | 3,680 |
| Noninterest income to average assets | 0.4611% | 2,954 |
| Noninterest expense to average assets | 2.9568% | 2,089 |
| Loan and lease loss provision to assets | 0.1045% | 1,843 |
| Net operating income to assets | 0.4877% | 4,547 |
| Return on assets (ROA) | 0.5705% | 4,414 |
| Pretax return on assets | 0.7386% | 4,263 |
| Return on Equity (ROE) | 4.8247% | 4,373 |
| Retained earnings to average equity (ytd only) | 4.8247% | 2,975 |
| Net charge-offs to loans | 0.0216% | 2,671 |
| Credit loss provision to net charge-offs | 618.3206% | 529 |
| Earnings coverage of net charge-offs (x) | 43.6799% | 1,290 |
| Efficiency ratio | 76.9765% | 1,224 |
| Assets per employee ($millions) | 5.9019% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7985% | 4,413 |
| Loan loss allowance to noncurrent loans | 123.3433% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 2,463 |
| Noncurrent loans to loans | 0.6474% | 2,340 |
| Net loans and leases to total assets | 79.2531% | 948 |
| Net loans and leases to deposits | 99.3999% | 688 |
| Net loans and leases to core deposits | 111.5326% | 869 |
| Total domestic deposits to total assets | 79.7316% | 4,040 |
| Equity capital to assets | 12.1201% | 2,171 |
| Core capital (leverage) ratio | 11.4634% | 2,247 |
| Tier 1 risk-based capital ratio | 14.0135% | 3,323 |
| Total risk-based capital ratio | 14.8043% | 3,455 |
| Memoranda: | ||
| Average total assets | $1,033,258,750 | 759 |
| Average earning assets | $964,297,000 | 747 |
| Average equity | $122,174,500 | 742 |
| Average total loans | $808,170,500 | 711 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4829% | 3,065 |
| Cost of funding earning assets | 1.0688% | 1,421 |
| Net interest margin | 3.4141% | 3,848 |
| Noninterest income to average assets | 0.4658% | 2,870 |
| Noninterest expense to average assets | 2.9715% | 2,080 |
| Loan and lease loss provision to assets | 0.1045% | 1,792 |
| Net operating income to assets | 0.4500% | 4,642 |
| Return on assets (ROA) | 0.5493% | 4,458 |
| Pretax return on assets | 0.7004% | 4,327 |
| Return on Equity (ROE) | 4.6842% | 4,424 |
| Retained earnings to average equity (ytd only) | 4.6842% | 2,931 |
| Net charge-offs to loans | 0.0416% | 2,067 |
| Credit loss provision to net charge-offs | 323.3533% | 850 |
| Earnings coverage of net charge-offs (x) | 21.0180% | 1,747 |
| Efficiency ratio | 78.3185% | 1,109 |
| Assets per employee ($millions) | 5.7483% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7785% | 4,515 |
| Loan loss allowance to noncurrent loans | 131.2787% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.4626% | 2,677 |
| Noncurrent loans to loans | 0.5930% | 2,493 |
| Net loans and leases to total assets | 77.3899% | 1,328 |
| Net loans and leases to deposits | 92.8092% | 1,401 |
| Net loans and leases to core deposits | 108.5554% | 1,060 |
| Total domestic deposits to total assets | 83.3860% | 3,079 |
| Equity capital to assets | 11.9300% | 2,247 |
| Core capital (leverage) ratio | 11.1772% | 2,436 |
| Tier 1 risk-based capital ratio | 13.7410% | 3,458 |
| Total risk-based capital ratio | 14.4929% | 3,623 |
| Memoranda: | ||
| Average total assets | $1,033,402,330 | 757 |
| Average earning assets | $964,062,330 | 748 |
| Average equity | $121,172,670 | 740 |
| Average total loans | $802,515,000 | 715 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 2,844 |
| Cost of funding earning assets | 1.0534% | 1,365 |
| Net interest margin | 3.4533% | 3,740 |
| Noninterest income to average assets | 0.4578% | 2,808 |
| Noninterest expense to average assets | 2.9734% | 2,067 |
| Loan and lease loss provision to assets | 0.1046% | 1,693 |
| Net operating income to assets | 0.4464% | 4,645 |
| Return on assets (ROA) | 0.8784% | 3,364 |
| Pretax return on assets | 1.1430% | 3,000 |
| Return on Equity (ROE) | 7.5575% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.5575% | 1,814 |
| Net charge-offs to loans | 0.0255% | 1,942 |
| Credit loss provision to net charge-offs | 529.4118% | 593 |
| Earnings coverage of net charge-offs (x) | 35.4706% | 1,229 |
| Efficiency ratio | 77.8727% | 1,280 |
| Assets per employee ($millions) | 5.7761% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7677% | 4,617 |
| Loan loss allowance to noncurrent loans | 201.6782% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 3,431 |
| Noncurrent loans to loans | 0.3807% | 3,224 |
| Net loans and leases to total assets | 76.6231% | 1,377 |
| Net loans and leases to deposits | 91.6797% | 1,435 |
| Net loans and leases to core deposits | 108.7379% | 1,003 |
| Total domestic deposits to total assets | 83.5770% | 3,194 |
| Equity capital to assets | 11.7539% | 2,186 |
| Core capital (leverage) ratio | 11.1196% | 2,455 |
| Tier 1 risk-based capital ratio | 13.8925% | 3,398 |
| Total risk-based capital ratio | 14.6400% | 3,579 |
| Memoranda: | ||
| Average total assets | $1,032,757,500 | 760 |
| Average earning assets | $961,859,500 | 753 |
| Average equity | $120,039,500 | 743 |
| Average total loans | $800,257,500 | 720 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3250% | 3,028 |
| Cost of funding earning assets | 0.8971% | 1,103 |
| Net interest margin | 3.4280% | 3,916 |
| Noninterest income to average assets | 0.4228% | 3,290 |
| Noninterest expense to average assets | 2.9527% | 2,181 |
| Loan and lease loss provision to assets | 0.1405% | 1,535 |
| Net operating income to assets | 0.3913% | 4,875 |
| Return on assets (ROA) | 0.6282% | 4,347 |
| Pretax return on assets | 0.8127% | 4,138 |
| Return on Equity (ROE) | 5.4309% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.4309% | 2,517 |
| Net charge-offs to loans | 0.0366% | 2,668 |
| Credit loss provision to net charge-offs | 505.3191% | 686 |
| Earnings coverage of net charge-offs (x) | 23.4965% | 1,848 |
| Efficiency ratio | 78.7089% | 1,064 |
| Assets per employee ($millions) | 5.4294% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 4,760 |
| Loan loss allowance to noncurrent loans | 183.0009% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 3,341 |
| Noncurrent loans to loans | 0.3938% | 3,118 |
| Net loans and leases to total assets | 77.1993% | 1,408 |
| Net loans and leases to deposits | 91.7660% | 1,579 |
| Net loans and leases to core deposits | 110.2517% | 983 |
| Total domestic deposits to total assets | 84.1262% | 2,962 |
| Equity capital to assets | 11.4922% | 2,255 |
| Core capital (leverage) ratio | 10.8455% | 2,684 |
| Tier 1 risk-based capital ratio | 13.4364% | 3,586 |
| Total risk-based capital ratio | 14.1499% | 3,792 |
| Memoranda: | ||
| Average total assets | $1,014,268,400 | 756 |
| Average earning assets | $941,843,800 | 745 |
| Average equity | $117,327,800 | 734 |
| Average total loans | $771,368,400 | 725 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2558% | 3,130 |
| Cost of funding earning assets | 0.8548% | 1,096 |
| Net interest margin | 3.4011% | 4,004 |
| Noninterest income to average assets | 0.4151% | 3,387 |
| Noninterest expense to average assets | 2.8876% | 2,339 |
| Loan and lease loss provision to assets | 0.1056% | 1,898 |
| Net operating income to assets | 0.4432% | 4,869 |
| Return on assets (ROA) | 0.6743% | 4,319 |
| Pretax return on assets | 0.8729% | 4,109 |
| Return on Equity (ROE) | 5.8199% | 4,315 |
| Retained earnings to average equity (ytd only) | 5.8199% | 2,747 |
| Net charge-offs to loans | 0.0180% | 2,794 |
| Credit loss provision to net charge-offs | 776.6990% | 503 |
| Earnings coverage of net charge-offs (x) | 50.4466% | 1,168 |
| Efficiency ratio | 77.3763% | 1,189 |
| Assets per employee ($millions) | 5.5320% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6812% | 4,909 |
| Loan loss allowance to noncurrent loans | 156.4975% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 3,254 |
| Noncurrent loans to loans | 0.4353% | 3,097 |
| Net loans and leases to total assets | 75.5999% | 1,715 |
| Net loans and leases to deposits | 90.5920% | 1,814 |
| Net loans and leases to core deposits | 108.3308% | 1,147 |
| Total domestic deposits to total assets | 83.4509% | 3,142 |
| Equity capital to assets | 11.5430% | 2,233 |
| Core capital (leverage) ratio | 10.7954% | 2,797 |
| Tier 1 risk-based capital ratio | 12.7552% | 4,050 |
| Total risk-based capital ratio | 13.5066% | 4,234 |
| Memoranda: | ||
| Average total assets | $1,009,938,250 | 753 |
| Average earning assets | $937,918,750 | 746 |
| Average equity | $117,021,750 | 728 |
| Average total loans | $763,670,500 | 724 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1629% | 3,230 |
| Cost of funding earning assets | 0.8190% | 1,047 |
| Net interest margin | 3.3439% | 4,127 |
| Noninterest income to average assets | 0.3934% | 3,534 |
| Noninterest expense to average assets | 2.9295% | 2,260 |
| Loan and lease loss provision to assets | 0.1146% | 1,729 |
| Net operating income to assets | 0.3450% | 5,052 |
| Return on assets (ROA) | 0.6855% | 4,241 |
| Pretax return on assets | 0.8822% | 4,020 |
| Return on Equity (ROE) | 5.9087% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.9087% | 2,606 |
| Net charge-offs to loans | -0.0042% | 4,062 |
| Credit loss provision to net charge-offs | -3,593.7500% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8449% | 1,029 |
| Assets per employee ($millions) | 5.5688% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6792% | 4,985 |
| Loan loss allowance to noncurrent loans | 126.0000% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 2,989 |
| Noncurrent loans to loans | 0.5391% | 2,799 |
| Net loans and leases to total assets | 75.8604% | 1,656 |
| Net loans and leases to deposits | 90.7702% | 1,740 |
| Net loans and leases to core deposits | 107.4316% | 1,156 |
| Total domestic deposits to total assets | 83.5742% | 3,229 |
| Equity capital to assets | 11.5834% | 2,136 |
| Core capital (leverage) ratio | 10.8606% | 2,649 |
| Tier 1 risk-based capital ratio | 12.9109% | 3,943 |
| Total risk-based capital ratio | 13.6209% | 4,150 |
| Memoranda: | ||
| Average total assets | $1,003,598,670 | 758 |
| Average earning assets | $930,939,670 | 752 |
| Average equity | $116,438,330 | 730 |
| Average total loans | $757,152,330 | 731 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 3,155 |
| Cost of funding earning assets | 0.7725% | 1,091 |
| Net interest margin | 3.3496% | 4,051 |
| Noninterest income to average assets | 0.3739% | 3,639 |
| Noninterest expense to average assets | 3.1287% | 1,744 |
| Loan and lease loss provision to assets | 0.0599% | 2,570 |
| Net operating income to assets | 0.2285% | 5,211 |
| Return on assets (ROA) | 0.5848% | 4,474 |
| Pretax return on assets | 0.7326% | 4,344 |
| Return on Equity (ROE) | 5.0361% | 4,475 |
| Retained earnings to average equity (ytd only) | 5.0361% | 3,152 |
| Net charge-offs to loans | -0.0048% | 3,995 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6817% | 746 |
| Assets per employee ($millions) | 5.4545% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6344% | 5,124 |
| Loan loss allowance to noncurrent loans | 123.2528% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 3,224 |
| Noncurrent loans to loans | 0.5148% | 2,973 |
| Net loans and leases to total assets | 75.2675% | 1,660 |
| Net loans and leases to deposits | 92.4211% | 1,404 |
| Net loans and leases to core deposits | 108.7531% | 1,076 |
| Total domestic deposits to total assets | 81.4397% | 4,108 |
| Equity capital to assets | 11.6408% | 2,034 |
| Core capital (leverage) ratio | 10.6597% | 2,782 |
| Tier 1 risk-based capital ratio | 13.2256% | 3,833 |
| Total risk-based capital ratio | 13.9751% | 3,998 |
| Memoranda: | ||
| Average total assets | $1,001,422,500 | 761 |
| Average earning assets | $927,391,500 | 755 |
| Average equity | $116,280,000 | 737 |
| Average total loans | $750,796,000 | 737 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2372% | 2,551 |
| Cost of funding earning assets | 0.7289% | 893 |
| Net interest margin | 3.5083% | 3,496 |
| Noninterest income to average assets | 0.3996% | 3,638 |
| Noninterest expense to average assets | 3.3872% | 1,220 |
| Loan and lease loss provision to assets | 0.0470% | 3,289 |
| Net operating income to assets | 0.1650% | 5,170 |
| Return on assets (ROA) | 0.5728% | 4,166 |
| Pretax return on assets | 0.8363% | 4,134 |
| Return on Equity (ROE) | 5.1044% | 4,123 |
| Retained earnings to average equity (ytd only) | 5.1044% | 2,062 |
| Net charge-offs to loans | 0.0394% | 3,014 |
| Credit loss provision to net charge-offs | 164.2241% | 1,633 |
| Earnings coverage of net charge-offs (x) | 9.9181% | 2,732 |
| Efficiency ratio | 87.5991% | 556 |
| Assets per employee ($millions) | 5.8334% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6221% | 5,201 |
| Loan loss allowance to noncurrent loans | 178.8662% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 3,850 |
| Noncurrent loans to loans | 0.3478% | 3,513 |
| Net loans and leases to total assets | 73.4127% | 2,020 |
| Net loans and leases to deposits | 89.8218% | 1,797 |
| Net loans and leases to core deposits | 103.2265% | 1,469 |
| Total domestic deposits to total assets | 81.7315% | 3,934 |
| Equity capital to assets | 11.5437% | 2,168 |
| Core capital (leverage) ratio | 10.4577% | 2,894 |
| Tier 1 risk-based capital ratio | 12.6717% | 4,105 |
| Total risk-based capital ratio | 13.4564% | 4,285 |
| Memoranda: | ||
| Average total assets | $811,271,600 | 920 |
| Average earning assets | $756,434,800 | 909 |
| Average equity | $91,038,800 | 895 |
| Average total loans | $589,018,200 | 875 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 2,348 |
| Cost of funding earning assets | 0.5905% | 1,597 |
| Net interest margin | 3.6822% | 2,816 |
| Noninterest income to average assets | 0.3255% | 4,209 |
| Noninterest expense to average assets | 3.7726% | 703 |
| Loan and lease loss provision to assets | 0.0474% | 3,154 |
| Net operating income to assets | -0.0314% | 5,522 |
| Return on assets (ROA) | 0.3033% | 5,228 |
| Pretax return on assets | 0.4025% | 5,185 |
| Return on Equity (ROE) | 2.7288% | 5,171 |
| Retained earnings to average equity (ytd only) | 2.7288% | 4,268 |
| Net charge-offs to loans | 0.0669% | 2,168 |
| Credit loss provision to net charge-offs | 98.1884% | 2,338 |
| Earnings coverage of net charge-offs (x) | 0.0761% | 3,691 |
| Efficiency ratio | 99.9027% | 180 |
| Assets per employee ($millions) | 6.0318% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6137% | 5,301 |
| Loan loss allowance to noncurrent loans | 90.8060% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.4992% | 3,073 |
| Noncurrent loans to loans | 0.6759% | 2,680 |
| Net loans and leases to total assets | 73.4036% | 2,024 |
| Net loans and leases to deposits | 88.9380% | 1,935 |
| Net loans and leases to core deposits | 101.6730% | 1,569 |
| Total domestic deposits to total assets | 82.5335% | 3,614 |
| Equity capital to assets | 10.8641% | 3,004 |
| Core capital (leverage) ratio | 10.8865% | 2,562 |
| Tier 1 risk-based capital ratio | 13.3204% | 3,808 |
| Total risk-based capital ratio | 14.0688% | 4,035 |
| Memoranda: | ||
| Average total assets | $761,796,000 | 974 |
| Average earning assets | $713,900,500 | 967 |
| Average equity | $84,674,500 | 965 |
| Average total loans | $549,897,750 | 937 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 2,242 |
| Cost of funding earning assets | 0.5704% | 1,648 |
| Net interest margin | 3.6934% | 2,679 |
| Noninterest income to average assets | 0.3134% | 4,292 |
| Noninterest expense to average assets | 3.2094% | 1,558 |
| Loan and lease loss provision to assets | 0.0461% | 3,067 |
| Net operating income to assets | 0.3433% | 5,119 |
| Return on assets (ROA) | 0.7805% | 3,538 |
| Pretax return on assets | 1.1805% | 2,849 |
| Return on Equity (ROE) | 6.9463% | 3,579 |
| Retained earnings to average equity (ytd only) | 6.9463% | 1,617 |
| Net charge-offs to loans | 0.0290% | 2,630 |
| Credit loss provision to net charge-offs | 222.5352% | 1,170 |
| Earnings coverage of net charge-offs (x) | 27.2535% | 1,546 |
| Efficiency ratio | 85.0498% | 757 |
| Assets per employee ($millions) | 6.0897% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6287% | 5,336 |
| Loan loss allowance to noncurrent loans | 114.0010% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4044% | 3,489 |
| Noncurrent loans to loans | 0.5515% | 3,083 |
| Net loans and leases to total assets | 72.8674% | 2,066 |
| Net loans and leases to deposits | 88.6768% | 1,901 |
| Net loans and leases to core deposits | 102.1554% | 1,494 |
| Total domestic deposits to total assets | 82.1718% | 3,838 |
| Equity capital to assets | 10.8914% | 2,937 |
| Core capital (leverage) ratio | 11.1714% | 2,251 |
| Tier 1 risk-based capital ratio | 13.5831% | 3,650 |
| Total risk-based capital ratio | 14.3183% | 3,870 |
| Memoranda: | ||
| Average total assets | $685,992,330 | 1,067 |
| Average earning assets | $642,663,330 | 1,055 |
| Average equity | $77,076,670 | 1,053 |
| Average total loans | $489,664,330 | 1,050 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 3,992 |
| Cost of funding earning assets | 0.4714% | 2,339 |
| Net interest margin | 3.2620% | 4,129 |
| Noninterest income to average assets | 0.2876% | 4,495 |
| Noninterest expense to average assets | 2.9391% | 2,333 |
| Loan and lease loss provision to assets | 0.0338% | 3,110 |
| Net operating income to assets | 0.2422% | 5,319 |
| Return on assets (ROA) | 0.9251% | 2,695 |
| Pretax return on assets | 1.4478% | 1,702 |
| Return on Equity (ROE) | 8.0052% | 2,919 |
| Retained earnings to average equity (ytd only) | 8.0052% | 1,460 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6399% | 686 |
| Assets per employee ($millions) | 5.7971% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 3,156 |
| Loan loss allowance to noncurrent loans | 331.4327% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 4,182 |
| Noncurrent loans to loans | 0.3609% | 3,799 |
| Net loans and leases to total assets | 70.2243% | 2,338 |
| Net loans and leases to deposits | 84.1539% | 2,265 |
| Net loans and leases to core deposits | 90.5853% | 2,304 |
| Total domestic deposits to total assets | 83.4474% | 3,678 |
| Equity capital to assets | 11.8377% | 1,951 |
| Core capital (leverage) ratio | 11.7187% | 1,816 |
| Tier 1 risk-based capital ratio | 13.6088% | 3,714 |
| Total risk-based capital ratio | 14.6327% | 3,766 |
| Memoranda: | ||
| Average total assets | $532,678,000 | 1,338 |
| Average earning assets | $500,673,500 | 1,314 |
| Average equity | $61,560,000 | 1,291 |
| Average total loans | $370,560,000 | 1,330 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6430% | 4,394 |
| Cost of funding earning assets | 0.4789% | 2,268 |
| Net interest margin | 3.1641% | 4,552 |
| Noninterest income to average assets | 0.3318% | 4,359 |
| Noninterest expense to average assets | 2.7753% | 3,104 |
| Loan and lease loss provision to assets | 0.0342% | 3,680 |
| Net operating income to assets | 0.3482% | 5,085 |
| Return on assets (ROA) | 0.4741% | 4,805 |
| Pretax return on assets | 0.6699% | 4,588 |
| Return on Equity (ROE) | 4.2216% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.2216% | 2,901 |
| Net charge-offs to loans | 0.0003% | 4,279 |
| Credit loss provision to net charge-offs | 18,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 2,769.0000% | 16 |
| Efficiency ratio | 84.0459% | 1,007 |
| Assets per employee ($millions) | 5.9777% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,879 |
| Loan loss allowance to noncurrent loans | 322.0230% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 4,241 |
| Noncurrent loans to loans | 0.3850% | 3,760 |
| Net loans and leases to total assets | 67.2091% | 2,901 |
| Net loans and leases to deposits | 80.5287% | 2,835 |
| Net loans and leases to core deposits | 86.6190% | 2,799 |
| Total domestic deposits to total assets | 83.4598% | 3,608 |
| Equity capital to assets | 11.2750% | 2,349 |
| Core capital (leverage) ratio | 11.3113% | 2,072 |
| Tier 1 risk-based capital ratio | 13.6051% | 3,700 |
| Total risk-based capital ratio | 14.6671% | 3,723 |
| Memoranda: | ||
| Average total assets | $525,594,000 | 1,310 |
| Average earning assets | $493,411,200 | 1,285 |
| Average equity | $59,029,200 | 1,309 |
| Average total loans | $350,297,400 | 1,339 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6205% | 4,492 |
| Cost of funding earning assets | 0.4799% | 2,264 |
| Net interest margin | 3.1406% | 4,671 |
| Noninterest income to average assets | 0.3328% | 4,406 |
| Noninterest expense to average assets | 2.7315% | 3,249 |
| Loan and lease loss provision to assets | 0.0344% | 3,546 |
| Net operating income to assets | 0.3654% | 5,130 |
| Return on assets (ROA) | 0.4341% | 5,005 |
| Pretax return on assets | 0.6097% | 4,850 |
| Return on Equity (ROE) | 3.8690% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.8690% | 3,547 |
| Net charge-offs to loans | 0.0004% | 3,948 |
| Credit loss provision to net charge-offs | 13,500.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 2,156.3383% | 30 |
| Efficiency ratio | 83.3075% | 1,044 |
| Assets per employee ($millions) | 5.6650% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,881 |
| Loan loss allowance to noncurrent loans | 434.6380% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 4,648 |
| Noncurrent loans to loans | 0.2903% | 4,220 |
| Net loans and leases to total assets | 66.6879% | 3,004 |
| Net loans and leases to deposits | 79.5800% | 3,013 |
| Net loans and leases to core deposits | 84.5753% | 3,070 |
| Total domestic deposits to total assets | 83.7998% | 3,274 |
| Equity capital to assets | 11.4375% | 2,565 |
| Core capital (leverage) ratio | 11.2599% | 2,223 |
| Tier 1 risk-based capital ratio | 13.8857% | 3,618 |
| Total risk-based capital ratio | 14.9736% | 3,641 |
| Memoranda: | ||
| Average total assets | $523,987,750 | 1,314 |
| Average earning assets | $491,526,500 | 1,296 |
| Average equity | $58,790,250 | 1,324 |
| Average total loans | $347,358,250 | 1,348 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6033% | 4,577 |
| Cost of funding earning assets | 0.4808% | 2,263 |
| Net interest margin | 3.1225% | 4,771 |
| Noninterest income to average assets | 0.3109% | 4,552 |
| Noninterest expense to average assets | 2.6530% | 3,542 |
| Loan and lease loss provision to assets | 0.0343% | 3,465 |
| Net operating income to assets | 0.3858% | 5,077 |
| Return on assets (ROA) | 0.4664% | 4,904 |
| Pretax return on assets | 0.6660% | 4,727 |
| Return on Equity (ROE) | 4.1834% | 4,843 |
| Retained earnings to average equity (ytd only) | 4.1834% | 3,244 |
| Net charge-offs to loans | 0.0012% | 3,665 |
| Credit loss provision to net charge-offs | 4,500.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 768.0000% | 70 |
| Efficiency ratio | 81.9273% | 1,281 |
| Assets per employee ($millions) | 5.7009% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 2,980 |
| Loan loss allowance to noncurrent loans | 702.0734% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 5,034 |
| Noncurrent loans to loans | 0.1803% | 4,711 |
| Net loans and leases to total assets | 65.4552% | 3,161 |
| Net loans and leases to deposits | 77.9155% | 3,165 |
| Net loans and leases to core deposits | 83.4256% | 3,133 |
| Total domestic deposits to total assets | 84.0079% | 3,266 |
| Equity capital to assets | 11.3211% | 2,723 |
| Core capital (leverage) ratio | 10.9793% | 2,452 |
| Tier 1 risk-based capital ratio | 14.3888% | 3,385 |
| Total risk-based capital ratio | 15.7956% | 3,227 |
| Memoranda: | ||
| Average total assets | $524,923,670 | 1,321 |
| Average earning assets | $492,107,000 | 1,297 |
| Average equity | $58,517,000 | 1,327 |
| Average total loans | $345,809,000 | 1,353 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5803% | 4,676 |
| Cost of funding earning assets | 0.4735% | 2,336 |
| Net interest margin | 3.1068% | 4,842 |
| Noninterest income to average assets | 0.2978% | 4,595 |
| Noninterest expense to average assets | 2.5532% | 3,898 |
| Loan and lease loss provision to assets | 0.0343% | 3,204 |
| Net operating income to assets | 0.4267% | 4,917 |
| Return on assets (ROA) | 0.4692% | 4,833 |
| Pretax return on assets | 0.6863% | 4,569 |
| Return on Equity (ROE) | 4.2419% | 4,804 |
| Retained earnings to average equity (ytd only) | 4.2419% | 3,359 |
| Net charge-offs to loans | 0.0023% | 3,045 |
| Credit loss provision to net charge-offs | 2,250.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 432.0000% | 135 |
| Efficiency ratio | 79.5066% | 1,665 |
| Assets per employee ($millions) | 5.9950% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 3,076 |
| Loan loss allowance to noncurrent loans | 714.0523% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 4,886 |
| Noncurrent loans to loans | 0.1774% | 4,774 |
| Net loans and leases to total assets | 63.8343% | 3,262 |
| Net loans and leases to deposits | 76.5180% | 3,160 |
| Net loans and leases to core deposits | 82.7489% | 3,061 |
| Total domestic deposits to total assets | 83.4238% | 3,743 |
| Equity capital to assets | 10.9861% | 2,959 |
| Core capital (leverage) ratio | 11.0402% | 2,369 |
| Tier 1 risk-based capital ratio | 14.2275% | 3,549 |
| Total risk-based capital ratio | 15.3408% | 3,560 |
| Memoranda: | ||
| Average total assets | $525,146,000 | 1,327 |
| Average earning assets | $492,474,000 | 1,297 |
| Average equity | $58,087,000 | 1,331 |
| Average total loans | $344,863,000 | 1,350 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7152% | 4,325 |
| Cost of funding earning assets | 0.4634% | 2,504 |
| Net interest margin | 3.2518% | 4,471 |
| Noninterest income to average assets | 0.3068% | 4,692 |
| Noninterest expense to average assets | 2.6620% | 3,725 |
| Loan and lease loss provision to assets | 0.0359% | 3,629 |
| Net operating income to assets | 0.4465% | 4,895 |
| Return on assets (ROA) | 0.6539% | 4,116 |
| Pretax return on assets | 0.9690% | 3,582 |
| Return on Equity (ROE) | 5.7779% | 4,139 |
| Retained earnings to average equity (ytd only) | 5.7779% | 1,912 |
| Net charge-offs to loans | -0.0234% | 5,322 |
| Credit loss provision to net charge-offs | -230.7692% | 5,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2874% | 1,779 |
| Assets per employee ($millions) | 6.0086% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 3,135 |
| Loan loss allowance to noncurrent loans | 968.0089% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 5,014 |
| Noncurrent loans to loans | 0.1297% | 4,973 |
| Net loans and leases to total assets | 65.8823% | 2,997 |
| Net loans and leases to deposits | 79.5095% | 2,880 |
| Net loans and leases to core deposits | 85.8818% | 2,808 |
| Total domestic deposits to total assets | 82.8609% | 3,881 |
| Equity capital to assets | 11.1385% | 2,690 |
| Core capital (leverage) ratio | 11.1130% | 2,298 |
| Tier 1 risk-based capital ratio | 14.6071% | 3,378 |
| Total risk-based capital ratio | 16.0074% | 3,231 |
| Memoranda: | ||
| Average total assets | $500,715,600 | 1,344 |
| Average earning assets | $469,745,000 | 1,315 |
| Average equity | $56,663,800 | 1,319 |
| Average total loans | $333,139,600 | 1,340 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7470% | 4,268 |
| Cost of funding earning assets | 0.4608% | 2,575 |
| Net interest margin | 3.2862% | 4,412 |
| Noninterest income to average assets | 0.3033% | 4,766 |
| Noninterest expense to average assets | 2.6104% | 3,836 |
| Loan and lease loss provision to assets | 0.0362% | 3,491 |
| Net operating income to assets | 0.4902% | 4,830 |
| Return on assets (ROA) | 0.7350% | 3,847 |
| Pretax return on assets | 1.1043% | 3,211 |
| Return on Equity (ROE) | 6.4680% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.4680% | 1,979 |
| Net charge-offs to loans | -0.0275% | 5,318 |
| Credit loss provision to net charge-offs | -198.5294% | 5,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1030% | 2,074 |
| Assets per employee ($millions) | 5.9172% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 3,290 |
| Loan loss allowance to noncurrent loans | 943.4879% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 5,130 |
| Noncurrent loans to loans | 0.1339% | 5,095 |
| Net loans and leases to total assets | 65.6564% | 3,066 |
| Net loans and leases to deposits | 79.4595% | 2,939 |
| Net loans and leases to core deposits | 86.0955% | 2,846 |
| Total domestic deposits to total assets | 82.6287% | 3,946 |
| Equity capital to assets | 11.1762% | 2,819 |
| Core capital (leverage) ratio | 11.1903% | 2,314 |
| Tier 1 risk-based capital ratio | 14.5121% | 3,563 |
| Total risk-based capital ratio | 15.6456% | 3,548 |
| Memoranda: | ||
| Average total assets | $496,710,250 | 1,359 |
| Average earning assets | $465,889,250 | 1,333 |
| Average equity | $56,440,500 | 1,332 |
| Average total loans | $330,233,250 | 1,356 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7352% | 4,296 |
| Cost of funding earning assets | 0.4552% | 2,662 |
| Net interest margin | 3.2800% | 4,376 |
| Noninterest income to average assets | 0.2927% | 4,869 |
| Noninterest expense to average assets | 2.6444% | 3,757 |
| Loan and lease loss provision to assets | 0.0365% | 3,392 |
| Net operating income to assets | 0.4601% | 4,946 |
| Return on assets (ROA) | 0.7941% | 3,513 |
| Pretax return on assets | 1.1903% | 2,816 |
| Return on Equity (ROE) | 6.9489% | 3,643 |
| Retained earnings to average equity (ytd only) | 6.9489% | 1,723 |
| Net charge-offs to loans | -0.0421% | 5,477 |
| Credit loss provision to net charge-offs | -130.4348% | 4,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4064% | 2,005 |
| Assets per employee ($millions) | 5.9716% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 3,458 |
| Loan loss allowance to noncurrent loans | 699.5033% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 4,981 |
| Noncurrent loans to loans | 0.1801% | 5,056 |
| Net loans and leases to total assets | 66.0085% | 2,946 |
| Net loans and leases to deposits | 80.8620% | 2,681 |
| Net loans and leases to core deposits | 87.2848% | 2,633 |
| Total domestic deposits to total assets | 81.6311% | 4,410 |
| Equity capital to assets | 11.2690% | 2,599 |
| Core capital (leverage) ratio | 11.2632% | 2,198 |
| Tier 1 risk-based capital ratio | 14.1214% | 3,856 |
| Total risk-based capital ratio | 15.2287% | 3,877 |
| Memoranda: | ||
| Average total assets | $492,655,330 | 1,382 |
| Average earning assets | $462,620,330 | 1,352 |
| Average equity | $56,296,330 | 1,348 |
| Average total loans | $327,516,670 | 1,370 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7047% | 4,346 |
| Cost of funding earning assets | 0.4496% | 2,773 |
| Net interest margin | 3.2551% | 4,400 |
| Noninterest income to average assets | 0.2884% | 4,866 |
| Noninterest expense to average assets | 2.5737% | 4,018 |
| Loan and lease loss provision to assets | 0.0369% | 3,162 |
| Net operating income to assets | 0.4802% | 4,766 |
| Return on assets (ROA) | 1.0545% | 2,151 |
| Pretax return on assets | 1.6093% | 1,248 |
| Return on Equity (ROE) | 9.1632% | 2,373 |
| Retained earnings to average equity (ytd only) | 9.1632% | 1,144 |
| Net charge-offs to loans | -0.0878% | 5,798 |
| Credit loss provision to net charge-offs | -63.3803% | 4,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8346% | 2,367 |
| Assets per employee ($millions) | 6.1071% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 3,488 |
| Loan loss allowance to noncurrent loans | 233.8530% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 4,168 |
| Noncurrent loans to loans | 0.5495% | 3,934 |
| Net loans and leases to total assets | 65.2265% | 2,894 |
| Net loans and leases to deposits | 79.8683% | 2,573 |
| Net loans and leases to core deposits | 85.8480% | 2,564 |
| Total domestic deposits to total assets | 81.6676% | 4,620 |
| Equity capital to assets | 11.4212% | 2,539 |
| Core capital (leverage) ratio | 11.1974% | 2,232 |
| Tier 1 risk-based capital ratio | 14.8685% | 3,500 |
| Total risk-based capital ratio | 16.0370% | 3,478 |
| Memoranda: | ||
| Average total assets | $488,176,000 | 1,397 |
| Average earning assets | $459,090,000 | 1,360 |
| Average equity | $56,181,000 | 1,353 |
| Average total loans | $323,608,500 | 1,386 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7641% | 4,602 |
| Cost of funding earning assets | 0.4577% | 3,095 |
| Net interest margin | 3.3064% | 4,538 |
| Noninterest income to average assets | 0.2846% | 5,085 |
| Noninterest expense to average assets | 2.5823% | 4,285 |
| Loan and lease loss provision to assets | 0.1102% | 2,332 |
| Net operating income to assets | 0.4749% | 4,905 |
| Return on assets (ROA) | 0.6394% | 4,295 |
| Pretax return on assets | 0.9367% | 3,755 |
| Return on Equity (ROE) | 5.7217% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.7217% | 2,123 |
| Net charge-offs to loans | -0.0032% | 5,416 |
| Credit loss provision to net charge-offs | -5,300.0000% | 6,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2367% | 2,475 |
| Assets per employee ($millions) | 5.8741% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 3,575 |
| Loan loss allowance to noncurrent loans | 614.4578% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 5,095 |
| Noncurrent loans to loans | 0.2073% | 5,074 |
| Net loans and leases to total assets | 65.6618% | 2,953 |
| Net loans and leases to deposits | 80.3507% | 2,676 |
| Net loans and leases to core deposits | 86.5953% | 2,638 |
| Total domestic deposits to total assets | 81.7191% | 4,516 |
| Equity capital to assets | 11.5978% | 2,347 |
| Core capital (leverage) ratio | 11.1076% | 2,308 |
| Tier 1 risk-based capital ratio | 15.9172% | 3,007 |
| Total risk-based capital ratio | 17.7720% | 2,652 |
| Memoranda: | ||
| Average total assets | $481,048,600 | 1,388 |
| Average earning assets | $451,395,800 | 1,362 |
| Average equity | $53,760,000 | 1,359 |
| Average total loans | $309,150,600 | 1,389 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 4,735 |
| Cost of funding earning assets | 0.4566% | 3,172 |
| Net interest margin | 3.2855% | 4,665 |
| Noninterest income to average assets | 0.2725% | 5,263 |
| Noninterest expense to average assets | 2.5685% | 4,291 |
| Loan and lease loss provision to assets | 0.0374% | 3,652 |
| Net operating income to assets | 0.5057% | 4,856 |
| Return on assets (ROA) | 0.6643% | 4,234 |
| Pretax return on assets | 0.9859% | 3,649 |
| Return on Equity (ROE) | 6.0010% | 4,234 |
| Retained earnings to average equity (ytd only) | 6.0010% | 2,408 |
| Net charge-offs to loans | -0.0309% | 5,749 |
| Credit loss provision to net charge-offs | -190.1408% | 5,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5557% | 2,405 |
| Assets per employee ($millions) | 5.9265% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 4,326 |
| Loan loss allowance to noncurrent loans | 411.1965% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 5,145 |
| Noncurrent loans to loans | 0.2877% | 5,048 |
| Net loans and leases to total assets | 64.3907% | 3,129 |
| Net loans and leases to deposits | 80.7024% | 2,587 |
| Net loans and leases to core deposits | 84.7106% | 2,809 |
| Total domestic deposits to total assets | 79.7879% | 5,149 |
| Equity capital to assets | 11.2241% | 2,732 |
| Core capital (leverage) ratio | 11.0400% | 2,451 |
| Tier 1 risk-based capital ratio | 15.8311% | 3,140 |
| Total risk-based capital ratio | 17.5015% | 2,884 |
| Memoranda: | ||
| Average total assets | $480,891,500 | 1,399 |
| Average earning assets | $451,186,000 | 1,373 |
| Average equity | $53,234,000 | 1,377 |
| Average total loans | $306,348,750 | 1,407 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7187% | 4,802 |
| Cost of funding earning assets | 0.4592% | 3,224 |
| Net interest margin | 3.2595% | 4,740 |
| Noninterest income to average assets | 0.2554% | 5,367 |
| Noninterest expense to average assets | 2.6281% | 4,143 |
| Loan and lease loss provision to assets | 0.0376% | 3,545 |
| Net operating income to assets | 0.4423% | 5,046 |
| Return on assets (ROA) | 0.6381% | 4,264 |
| Pretax return on assets | 0.9412% | 3,718 |
| Return on Equity (ROE) | 5.7920% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.7920% | 2,452 |
| Net charge-offs to loans | -0.0403% | 5,783 |
| Credit loss provision to net charge-offs | -147.5410% | 5,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1876% | 2,140 |
| Assets per employee ($millions) | 5.7934% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 4,435 |
| Loan loss allowance to noncurrent loans | 423.8857% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 5,259 |
| Noncurrent loans to loans | 0.2825% | 5,171 |
| Net loans and leases to total assets | 63.6439% | 3,133 |
| Net loans and leases to deposits | 77.4254% | 2,877 |
| Net loans and leases to core deposits | 82.7833% | 2,887 |
| Total domestic deposits to total assets | 82.2002% | 4,582 |
| Equity capital to assets | 11.2330% | 2,669 |
| Core capital (leverage) ratio | 10.8445% | 2,585 |
| Tier 1 risk-based capital ratio | 16.0642% | 3,055 |
| Total risk-based capital ratio | 17.8109% | 2,762 |
| Memoranda: | ||
| Average total assets | $479,198,000 | 1,399 |
| Average earning assets | $450,369,000 | 1,369 |
| Average equity | $52,796,670 | 1,376 |
| Average total loans | $302,909,330 | 1,418 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 4,817 |
| Cost of funding earning assets | 0.4575% | 3,344 |
| Net interest margin | 3.2513% | 4,738 |
| Noninterest income to average assets | 0.2559% | 5,309 |
| Noninterest expense to average assets | 2.5495% | 4,451 |
| Loan and lease loss provision to assets | 0.0376% | 3,307 |
| Net operating income to assets | 0.4855% | 4,760 |
| Return on assets (ROA) | 0.7074% | 3,726 |
| Pretax return on assets | 1.0544% | 3,116 |
| Return on Equity (ROE) | 6.4842% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.4842% | 2,293 |
| Net charge-offs to loans | -0.0815% | 6,041 |
| Credit loss provision to net charge-offs | -73.7705% | 4,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0144% | 2,645 |
| Assets per employee ($millions) | 5.7613% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 4,512 |
| Loan loss allowance to noncurrent loans | 156.8075% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 4,391 |
| Noncurrent loans to loans | 0.7820% | 3,907 |
| Net loans and leases to total assets | 61.8883% | 3,254 |
| Net loans and leases to deposits | 74.8135% | 2,965 |
| Net loans and leases to core deposits | 79.9377% | 2,976 |
| Total domestic deposits to total assets | 82.7235% | 4,706 |
| Equity capital to assets | 11.0507% | 2,680 |
| Core capital (leverage) ratio | 10.7242% | 2,675 |
| Tier 1 risk-based capital ratio | 16.4195% | 2,940 |
| Total risk-based capital ratio | 18.1729% | 2,682 |
| Memoranda: | ||
| Average total assets | $478,372,500 | 1,408 |
| Average earning assets | $449,418,500 | 1,374 |
| Average equity | $52,188,000 | 1,388 |
| Average total loans | $299,494,000 | 1,443 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7681% | 4,915 |
| Cost of funding earning assets | 0.5161% | 3,441 |
| Net interest margin | 3.2519% | 4,830 |
| Noninterest income to average assets | 0.3245% | 5,016 |
| Noninterest expense to average assets | 2.6145% | 4,408 |
| Loan and lease loss provision to assets | 0.1025% | 3,091 |
| Net operating income to assets | 0.4465% | 4,968 |
| Return on assets (ROA) | 0.6057% | 4,357 |
| Pretax return on assets | 0.8962% | 3,778 |
| Return on Equity (ROE) | 5.7960% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.7960% | 2,100 |
| Net charge-offs to loans | 0.0316% | 4,800 |
| Credit loss provision to net charge-offs | 533.3333% | 440 |
| Earnings coverage of net charge-offs (x) | 39.8000% | 958 |
| Efficiency ratio | 77.3706% | 2,562 |
| Assets per employee ($millions) | 5.7658% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 4,689 |
| Loan loss allowance to noncurrent loans | 132.6780% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.6582% | 4,273 |
| Noncurrent loans to loans | 0.9006% | 3,734 |
| Net loans and leases to total assets | 61.8096% | 3,396 |
| Net loans and leases to deposits | 74.2342% | 3,228 |
| Net loans and leases to core deposits | 78.9536% | 3,242 |
| Total domestic deposits to total assets | 83.2631% | 4,444 |
| Equity capital to assets | 10.7684% | 2,855 |
| Core capital (leverage) ratio | 10.7292% | 2,646 |
| Tier 1 risk-based capital ratio | 16.2353% | 2,994 |
| Total risk-based capital ratio | 17.9314% | 2,723 |
| Memoranda: | ||
| Average total assets | $468,422,200 | 1,411 |
| Average earning assets | $440,013,400 | 1,380 |
| Average equity | $48,947,800 | 1,441 |
| Average total loans | $284,919,800 | 1,486 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7821% | 4,924 |
| Cost of funding earning assets | 0.5298% | 3,466 |
| Net interest margin | 3.2523% | 4,817 |
| Noninterest income to average assets | 0.3440% | 4,938 |
| Noninterest expense to average assets | 2.5402% | 4,585 |
| Loan and lease loss provision to assets | 0.0386% | 4,238 |
| Net operating income to assets | 0.5470% | 4,595 |
| Return on assets (ROA) | 0.6356% | 4,311 |
| Pretax return on assets | 0.9510% | 3,687 |
| Return on Equity (ROE) | 6.1308% | 4,119 |
| Retained earnings to average equity (ytd only) | 6.1308% | 2,329 |
| Net charge-offs to loans | -0.0014% | 5,670 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7642% | 2,941 |
| Assets per employee ($millions) | 5.6786% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 5,002 |
| Loan loss allowance to noncurrent loans | 297.2807% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 5,249 |
| Noncurrent loans to loans | 0.3944% | 5,212 |
| Net loans and leases to total assets | 60.6015% | 3,596 |
| Net loans and leases to deposits | 72.7561% | 3,430 |
| Net loans and leases to core deposits | 77.6403% | 3,401 |
| Total domestic deposits to total assets | 83.2940% | 4,465 |
| Equity capital to assets | 10.3832% | 3,412 |
| Core capital (leverage) ratio | 10.9513% | 2,528 |
| Tier 1 risk-based capital ratio | 16.6690% | 2,872 |
| Total risk-based capital ratio | 18.2256% | 2,681 |
| Memoranda: | ||
| Average total assets | $465,888,250 | 1,427 |
| Average earning assets | $437,419,500 | 1,395 |
| Average equity | $48,301,500 | 1,470 |
| Average total loans | $281,306,750 | 1,509 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8031% | 4,821 |
| Cost of funding earning assets | 0.5449% | 3,466 |
| Net interest margin | 3.2581% | 4,741 |
| Noninterest income to average assets | 0.3642% | 4,790 |
| Noninterest expense to average assets | 2.5302% | 4,628 |
| Loan and lease loss provision to assets | 0.0388% | 4,176 |
| Net operating income to assets | 0.5725% | 4,433 |
| Return on assets (ROA) | 0.6193% | 4,362 |
| Pretax return on assets | 0.9261% | 3,800 |
| Return on Equity (ROE) | 5.9764% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.9764% | 2,458 |
| Net charge-offs to loans | -0.0014% | 5,513 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8676% | 3,156 |
| Assets per employee ($millions) | 5.6413% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 5,084 |
| Loan loss allowance to noncurrent loans | 190.3759% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 5,075 |
| Noncurrent loans to loans | 0.6206% | 4,704 |
| Net loans and leases to total assets | 60.4415% | 3,585 |
| Net loans and leases to deposits | 72.6449% | 3,363 |
| Net loans and leases to core deposits | 77.8441% | 3,315 |
| Total domestic deposits to total assets | 83.2013% | 4,625 |
| Equity capital to assets | 10.7076% | 3,048 |
| Core capital (leverage) ratio | 10.7075% | 2,661 |
| Tier 1 risk-based capital ratio | 16.7797% | 2,797 |
| Total risk-based capital ratio | 18.3715% | 2,642 |
| Memoranda: | ||
| Average total assets | $464,075,330 | 1,433 |
| Average earning assets | $436,017,000 | 1,403 |
| Average equity | $48,089,000 | 1,481 |
| Average total loans | $278,735,670 | 1,517 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7917% | 4,847 |
| Cost of funding earning assets | 0.5502% | 3,566 |
| Net interest margin | 3.2415% | 4,757 |
| Noninterest income to average assets | 0.3881% | 4,552 |
| Noninterest expense to average assets | 2.4896% | 4,790 |
| Loan and lease loss provision to assets | 0.0387% | 3,946 |
| Net operating income to assets | 0.6026% | 4,199 |
| Return on assets (ROA) | 0.6265% | 4,248 |
| Pretax return on assets | 0.9432% | 3,596 |
| Return on Equity (ROE) | 6.1477% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.1477% | 2,600 |
| Net charge-offs to loans | -0.0072% | 5,346 |
| Credit loss provision to net charge-offs | -900.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4699% | 3,525 |
| Assets per employee ($millions) | 5.6599% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 5,236 |
| Loan loss allowance to noncurrent loans | 184.3104% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 5,174 |
| Noncurrent loans to loans | 0.6439% | 4,836 |
| Net loans and leases to total assets | 59.2241% | 3,567 |
| Net loans and leases to deposits | 71.1671% | 3,299 |
| Net loans and leases to core deposits | 76.2506% | 3,287 |
| Total domestic deposits to total assets | 83.2183% | 4,785 |
| Equity capital to assets | 10.4393% | 3,614 |
| Core capital (leverage) ratio | 10.4863% | 2,797 |
| Tier 1 risk-based capital ratio | 16.6844% | 2,912 |
| Total risk-based capital ratio | 18.2232% | 2,738 |
| Memoranda: | ||
| Average total assets | $464,819,000 | 1,439 |
| Average earning assets | $436,952,500 | 1,411 |
| Average equity | $47,367,500 | 1,521 |
| Average total loans | $276,634,500 | 1,535 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0158% | 5,255 |
| Cost of funding earning assets | 0.6837% | 3,625 |
| Net interest margin | 3.3321% | 5,135 |
| Noninterest income to average assets | 0.2960% | 5,351 |
| Noninterest expense to average assets | 2.4473% | 5,262 |
| Loan and lease loss provision to assets | 0.1054% | 4,320 |
| Net operating income to assets | 0.5818% | 4,321 |
| Return on assets (ROA) | 0.6039% | 4,482 |
| Pretax return on assets | 0.9105% | 3,886 |
| Return on Equity (ROE) | 6.0794% | 4,133 |
| Retained earnings to average equity (ytd only) | 6.0794% | 2,027 |
| Net charge-offs to loans | 0.0701% | 4,981 |
| Credit loss provision to net charge-offs | 262.2951% | 916 |
| Earnings coverage of net charge-offs (x) | 24.4426% | 1,175 |
| Efficiency ratio | 71.3581% | 3,550 |
| Assets per employee ($millions) | 5.8191% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 5,205 |
| Loan loss allowance to noncurrent loans | 170.9253% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 5,135 |
| Noncurrent loans to loans | 0.6914% | 4,811 |
| Net loans and leases to total assets | 58.3965% | 3,899 |
| Net loans and leases to deposits | 69.2632% | 3,799 |
| Net loans and leases to core deposits | 74.1603% | 3,762 |
| Total domestic deposits to total assets | 84.3111% | 4,179 |
| Equity capital to assets | 9.9425% | 4,253 |
| Core capital (leverage) ratio | 10.3874% | 2,898 |
| Tier 1 risk-based capital ratio | 17.2140% | 2,551 |
| Total risk-based capital ratio | 18.5579% | 2,498 |
| Memoranda: | ||
| Average total assets | $455,351,600 | 1,440 |
| Average earning assets | $428,229,400 | 1,411 |
| Average equity | $45,235,000 | 1,537 |
| Average total loans | $261,002,200 | 1,584 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0403% | 5,397 |
| Cost of funding earning assets | 0.7123% | 3,658 |
| Net interest margin | 3.3280% | 5,283 |
| Noninterest income to average assets | 0.3048% | 5,347 |
| Noninterest expense to average assets | 2.3783% | 5,462 |
| Loan and lease loss provision to assets | 0.0398% | 5,278 |
| Net operating income to assets | 0.6659% | 4,061 |
| Return on assets (ROA) | 0.6817% | 4,261 |
| Pretax return on assets | 1.0403% | 3,563 |
| Return on Equity (ROE) | 6.8633% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.8633% | 2,201 |
| Net charge-offs to loans | 0.0311% | 5,212 |
| Credit loss provision to net charge-offs | 225.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 59.7819% | 653 |
| Efficiency ratio | 69.2473% | 3,828 |
| Assets per employee ($millions) | 5.7865% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 5,528 |
| Loan loss allowance to noncurrent loans | 115.4345% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.7166% | 4,897 |
| Noncurrent loans to loans | 0.9946% | 4,461 |
| Net loans and leases to total assets | 57.0504% | 4,287 |
| Net loans and leases to deposits | 67.7775% | 4,219 |
| Net loans and leases to core deposits | 72.5945% | 4,184 |
| Total domestic deposits to total assets | 84.1730% | 4,138 |
| Equity capital to assets | 10.1748% | 4,238 |
| Core capital (leverage) ratio | 10.3234% | 3,136 |
| Tier 1 risk-based capital ratio | 17.9135% | 2,388 |
| Total risk-based capital ratio | 19.3557% | 2,270 |
| Memoranda: | ||
| Average total assets | $452,808,000 | 1,468 |
| Average earning assets | $425,831,750 | 1,433 |
| Average equity | $44,972,500 | 1,565 |
| Average total loans | $257,477,250 | 1,619 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0727% | 5,410 |
| Cost of funding earning assets | 0.7462% | 3,632 |
| Net interest margin | 3.3266% | 5,365 |
| Noninterest income to average assets | 0.2986% | 5,416 |
| Noninterest expense to average assets | 2.3852% | 5,504 |
| Loan and lease loss provision to assets | 0.0399% | 5,169 |
| Net operating income to assets | 0.6517% | 4,103 |
| Return on assets (ROA) | 0.6655% | 4,296 |
| Pretax return on assets | 1.0200% | 3,634 |
| Return on Equity (ROE) | 6.7567% | 3,915 |
| Retained earnings to average equity (ytd only) | 6.7567% | 2,245 |
| Net charge-offs to loans | 0.0235% | 5,067 |
| Credit loss provision to net charge-offs | 300.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 78.1333% | 523 |
| Efficiency ratio | 69.6648% | 3,822 |
| Assets per employee ($millions) | 5.7954% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 5,457 |
| Loan loss allowance to noncurrent loans | 187.3213% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 5,516 |
| Noncurrent loans to loans | 0.6276% | 5,254 |
| Net loans and leases to total assets | 55.3407% | 4,573 |
| Net loans and leases to deposits | 66.1188% | 4,498 |
| Net loans and leases to core deposits | 70.7281% | 4,447 |
| Total domestic deposits to total assets | 83.6989% | 4,439 |
| Equity capital to assets | 9.9327% | 4,447 |
| Core capital (leverage) ratio | 10.2959% | 3,053 |
| Tier 1 risk-based capital ratio | 18.6658% | 2,081 |
| Total risk-based capital ratio | 20.1366% | 1,979 |
| Memoranda: | ||
| Average total assets | $451,367,000 | 1,475 |
| Average earning assets | $424,040,330 | 1,442 |
| Average equity | $44,459,330 | 1,570 |
| Average total loans | $255,361,670 | 1,631 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 5,535 |
| Cost of funding earning assets | 0.7716% | 3,689 |
| Net interest margin | 3.3056% | 5,450 |
| Noninterest income to average assets | 0.3410% | 5,127 |
| Noninterest expense to average assets | 2.3350% | 5,677 |
| Loan and lease loss provision to assets | 0.0402% | 4,885 |
| Net operating income to assets | 0.6959% | 3,905 |
| Return on assets (ROA) | 0.6953% | 4,125 |
| Pretax return on assets | 1.0738% | 3,417 |
| Return on Equity (ROE) | 7.0897% | 3,732 |
| Retained earnings to average equity (ytd only) | 7.0897% | 2,386 |
| Net charge-offs to loans | 0.0392% | 4,146 |
| Credit loss provision to net charge-offs | 180.0000% | 1,437 |
| Earnings coverage of net charge-offs (x) | 49.9600% | 634 |
| Efficiency ratio | 67.6843% | 4,237 |
| Assets per employee ($millions) | 5.9225% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 5,704 |
| Loan loss allowance to noncurrent loans | 99.7652% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.8122% | 4,915 |
| Noncurrent loans to loans | 1.1545% | 4,402 |
| Net loans and leases to total assets | 56.7023% | 4,257 |
| Net loans and leases to deposits | 68.7204% | 3,922 |
| Net loans and leases to core deposits | 74.8575% | 3,772 |
| Total domestic deposits to total assets | 82.5116% | 5,123 |
| Equity capital to assets | 9.8960% | 4,259 |
| Core capital (leverage) ratio | 10.2986% | 2,995 |
| Tier 1 risk-based capital ratio | 17.6086% | 2,440 |
| Total risk-based capital ratio | 18.9594% | 2,371 |
| Memoranda: | ||
| Average total assets | $448,130,500 | 1,486 |
| Average earning assets | $421,462,500 | 1,454 |
| Average equity | $43,951,000 | 1,580 |
| Average total loans | $254,849,500 | 1,632 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 5,999 |
| Cost of funding earning assets | 0.8670% | 4,343 |
| Net interest margin | 3.3534% | 5,638 |
| Noninterest income to average assets | 0.2710% | 5,589 |
| Noninterest expense to average assets | 2.3897% | 5,801 |
| Loan and lease loss provision to assets | 0.1409% | 4,857 |
| Net operating income to assets | 0.5985% | 4,004 |
| Return on assets (ROA) | 0.6453% | 3,955 |
| Pretax return on assets | 0.9497% | 3,426 |
| Return on Equity (ROE) | 6.4940% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.4940% | 1,739 |
| Net charge-offs to loans | 0.0245% | 6,095 |
| Credit loss provision to net charge-offs | 1,033.3333% | 218 |
| Earnings coverage of net charge-offs (x) | 74.9167% | 402 |
| Efficiency ratio | 70.0493% | 3,948 |
| Assets per employee ($millions) | 5.9487% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 5,510 |
| Loan loss allowance to noncurrent loans | 70.7884% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.0907% | 4,436 |
| Noncurrent loans to loans | 1.6592% | 3,675 |
| Net loans and leases to total assets | 55.7095% | 4,761 |
| Net loans and leases to deposits | 67.6046% | 4,495 |
| Net loans and leases to core deposits | 73.3315% | 4,334 |
| Total domestic deposits to total assets | 82.4049% | 4,997 |
| Equity capital to assets | 9.7184% | 4,567 |
| Core capital (leverage) ratio | 10.1735% | 3,130 |
| Tier 1 risk-based capital ratio | 17.8124% | 2,262 |
| Total risk-based capital ratio | 19.0593% | 2,236 |
| Memoranda: | ||
| Average total assets | $439,931,000 | 1,483 |
| Average earning assets | $411,998,600 | 1,450 |
| Average equity | $43,717,600 | 1,547 |
| Average total loans | $244,809,200 | 1,708 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2342% | 6,129 |
| Cost of funding earning assets | 0.8886% | 4,481 |
| Net interest margin | 3.3456% | 5,733 |
| Noninterest income to average assets | 0.2503% | 5,823 |
| Noninterest expense to average assets | 2.3593% | 5,882 |
| Loan and lease loss provision to assets | 0.0547% | 5,761 |
| Net operating income to assets | 0.6411% | 3,914 |
| Return on assets (ROA) | 0.6965% | 3,810 |
| Pretax return on assets | 1.0511% | 3,204 |
| Return on Equity (ROE) | 6.9698% | 3,541 |
| Retained earnings to average equity (ytd only) | 6.9698% | 1,983 |
| Net charge-offs to loans | 0.0285% | 5,751 |
| Credit loss provision to net charge-offs | 346.1538% | 816 |
| Earnings coverage of net charge-offs (x) | 64.6169% | 509 |
| Efficiency ratio | 69.7760% | 3,992 |
| Assets per employee ($millions) | 5.9869% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 6,195 |
| Loan loss allowance to noncurrent loans | 51.9893% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 1.2138% | 4,367 |
| Noncurrent loans to loans | 1.9519% | 3,425 |
| Net loans and leases to total assets | 56.2886% | 4,798 |
| Net loans and leases to deposits | 67.6309% | 4,675 |
| Net loans and leases to core deposits | 73.5481% | 4,517 |
| Total domestic deposits to total assets | 83.2291% | 4,594 |
| Equity capital to assets | 10.1738% | 4,128 |
| Core capital (leverage) ratio | 10.1185% | 3,288 |
| Tier 1 risk-based capital ratio | 17.7066% | 2,363 |
| Total risk-based capital ratio | 18.7229% | 2,427 |
| Memoranda: | ||
| Average total assets | $438,375,750 | 1,500 |
| Average earning assets | $410,235,250 | 1,466 |
| Average equity | $43,807,250 | 1,549 |
| Average total loans | $243,135,750 | 1,734 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 6,221 |
| Cost of funding earning assets | 0.9167% | 4,536 |
| Net interest margin | 3.3133% | 5,817 |
| Noninterest income to average assets | 0.2557% | 5,817 |
| Noninterest expense to average assets | 2.3390% | 6,030 |
| Loan and lease loss provision to assets | 0.0547% | 5,633 |
| Net operating income to assets | 0.6314% | 3,907 |
| Return on assets (ROA) | 0.6882% | 3,725 |
| Pretax return on assets | 1.0483% | 3,048 |
| Return on Equity (ROE) | 6.9285% | 3,480 |
| Retained earnings to average equity (ytd only) | 6.9285% | 1,913 |
| Net charge-offs to loans | 0.0323% | 5,393 |
| Credit loss provision to net charge-offs | 307.6923% | 986 |
| Earnings coverage of net charge-offs (x) | 57.2051% | 555 |
| Efficiency ratio | 69.6999% | 4,169 |
| Assets per employee ($millions) | 5.7639% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 6,212 |
| Loan loss allowance to noncurrent loans | 57.2519% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.3042% | 4,294 |
| Noncurrent loans to loans | 1.8015% | 3,754 |
| Net loans and leases to total assets | 54.2154% | 5,264 |
| Net loans and leases to deposits | 65.0085% | 5,150 |
| Net loans and leases to core deposits | 71.5747% | 4,869 |
| Total domestic deposits to total assets | 83.3974% | 4,583 |
| Equity capital to assets | 10.1521% | 3,943 |
| Core capital (leverage) ratio | 10.0491% | 3,204 |
| Tier 1 risk-based capital ratio | 17.8696% | 2,217 |
| Total risk-based capital ratio | 18.9632% | 2,225 |
| Memoranda: | ||
| Average total assets | $438,819,670 | 1,511 |
| Average earning assets | $410,593,000 | 1,476 |
| Average equity | $43,588,330 | 1,543 |
| Average total loans | $241,338,330 | 1,766 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1696% | 6,351 |
| Cost of funding earning assets | 0.9391% | 4,654 |
| Net interest margin | 3.2305% | 5,981 |
| Noninterest income to average assets | 0.3051% | 5,489 |
| Noninterest expense to average assets | 2.4025% | 5,879 |
| Loan and lease loss provision to assets | 0.0546% | 5,321 |
| Net operating income to assets | 0.5588% | 4,242 |
| Return on assets (ROA) | 0.6357% | 3,905 |
| Pretax return on assets | 0.9945% | 3,150 |
| Return on Equity (ROE) | 6.4710% | 3,638 |
| Retained earnings to average equity (ytd only) | 6.4710% | 2,385 |
| Net charge-offs to loans | 0.0545% | 4,389 |
| Credit loss provision to net charge-offs | 181.8182% | 1,610 |
| Earnings coverage of net charge-offs (x) | 30.9091% | 815 |
| Efficiency ratio | 72.1159% | 3,837 |
| Assets per employee ($millions) | 5.8433% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 6,420 |
| Loan loss allowance to noncurrent loans | 57.7116% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.2744% | 4,406 |
| Noncurrent loans to loans | 1.7240% | 3,916 |
| Net loans and leases to total assets | 54.9710% | 5,162 |
| Net loans and leases to deposits | 66.4414% | 4,902 |
| Net loans and leases to core deposits | 72.9134% | 4,657 |
| Total domestic deposits to total assets | 82.7360% | 5,017 |
| Equity capital to assets | 9.9357% | 3,858 |
| Core capital (leverage) ratio | 10.0160% | 3,123 |
| Tier 1 risk-based capital ratio | 17.2492% | 2,393 |
| Total risk-based capital ratio | 18.3546% | 2,410 |
| Memoranda: | ||
| Average total assets | $439,200,500 | 1,517 |
| Average earning assets | $411,458,000 | 1,487 |
| Average equity | $43,146,500 | 1,544 |
| Average total loans | $242,022,500 | 1,776 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5117% | 6,371 |
| Cost of funding earning assets | 1.1658% | 4,763 |
| Net interest margin | 3.3458% | 5,809 |
| Noninterest income to average assets | 0.4109% | 4,817 |
| Noninterest expense to average assets | 2.3829% | 6,133 |
| Loan and lease loss provision to assets | 0.1347% | 5,826 |
| Net operating income to assets | 0.6598% | 3,390 |
| Return on assets (ROA) | 0.6210% | 3,745 |
| Pretax return on assets | 0.9770% | 3,009 |
| Return on Equity (ROE) | 6.3375% | 3,428 |
| Retained earnings to average equity (ytd only) | 6.3375% | 1,643 |
| Net charge-offs to loans | 0.0197% | 6,617 |
| Credit loss provision to net charge-offs | 1,212.7660% | 187 |
| Earnings coverage of net charge-offs (x) | 105.5745% | 236 |
| Efficiency ratio | 67.0233% | 4,760 |
| Assets per employee ($millions) | 6.1133% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 6,414 |
| Loan loss allowance to noncurrent loans | 55.6744% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.2930% | 4,448 |
| Noncurrent loans to loans | 1.7863% | 3,835 |
| Net loans and leases to total assets | 54.1450% | 5,613 |
| Net loans and leases to deposits | 65.9832% | 5,401 |
| Net loans and leases to core deposits | 72.4771% | 5,161 |
| Total domestic deposits to total assets | 82.0588% | 5,169 |
| Equity capital to assets | 9.7125% | 4,107 |
| Core capital (leverage) ratio | 9.7650% | 3,361 |
| Tier 1 risk-based capital ratio | 16.9954% | 2,345 |
| Total risk-based capital ratio | 17.9996% | 2,410 |
| Memoranda: | ||
| Average total assets | $423,216,400 | 1,571 |
| Average earning assets | $397,748,000 | 1,525 |
| Average equity | $41,467,600 | 1,599 |
| Average total loans | $238,281,600 | 1,834 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5451% | 6,478 |
| Cost of funding earning assets | 1.2095% | 4,809 |
| Net interest margin | 3.3356% | 5,905 |
| Noninterest income to average assets | 0.3236% | 5,569 |
| Noninterest expense to average assets | 2.3424% | 6,196 |
| Loan and lease loss provision to assets | 0.0573% | 6,494 |
| Net operating income to assets | 0.6706% | 3,540 |
| Return on assets (ROA) | 0.6645% | 3,741 |
| Pretax return on assets | 1.0511% | 2,993 |
| Return on Equity (ROE) | 6.7658% | 3,450 |
| Retained earnings to average equity (ytd only) | 6.7658% | 1,960 |
| Net charge-offs to loans | -0.0073% | 7,238 |
| Credit loss provision to net charge-offs | -1,384.6154% | 7,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6936% | 4,527 |
| Assets per employee ($millions) | 5.8234% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 6,880 |
| Loan loss allowance to noncurrent loans | 41.6717% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 1.2547% | 4,642 |
| Noncurrent loans to loans | 2.0500% | 3,618 |
| Net loans and leases to total assets | 55.5894% | 5,609 |
| Net loans and leases to deposits | 67.2043% | 5,520 |
| Net loans and leases to core deposits | 73.8111% | 5,317 |
| Total domestic deposits to total assets | 82.7171% | 4,709 |
| Equity capital to assets | 9.9353% | 4,241 |
| Core capital (leverage) ratio | 9.8960% | 3,360 |
| Tier 1 risk-based capital ratio | 16.9602% | 2,352 |
| Total risk-based capital ratio | 17.7996% | 2,496 |
| Memoranda: | ||
| Average total assets | $418,981,750 | 1,609 |
| Average earning assets | $393,997,500 | 1,558 |
| Average equity | $41,147,000 | 1,612 |
| Average total loans | $237,673,000 | 1,865 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5622% | 6,557 |
| Cost of funding earning assets | 1.2626% | 4,754 |
| Net interest margin | 3.2996% | 6,021 |
| Noninterest income to average assets | 0.3055% | 5,716 |
| Noninterest expense to average assets | 2.2848% | 6,397 |
| Loan and lease loss provision to assets | 0.0578% | 6,380 |
| Net operating income to assets | 0.6734% | 3,516 |
| Return on assets (ROA) | 0.6771% | 3,646 |
| Pretax return on assets | 1.0733% | 2,868 |
| Return on Equity (ROE) | 6.9227% | 3,343 |
| Retained earnings to average equity (ytd only) | 6.9227% | 1,875 |
| Net charge-offs to loans | -0.0110% | 7,205 |
| Credit loss provision to net charge-offs | -923.0769% | 6,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0011% | 4,762 |
| Assets per employee ($millions) | 5.8271% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8357% | 6,949 |
| Loan loss allowance to noncurrent loans | 41.3708% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 1.2628% | 4,620 |
| Noncurrent loans to loans | 2.0199% | 3,693 |
| Net loans and leases to total assets | 56.6817% | 5,598 |
| Net loans and leases to deposits | 68.8290% | 5,438 |
| Net loans and leases to core deposits | 75.8894% | 5,207 |
| Total domestic deposits to total assets | 82.3515% | 4,849 |
| Equity capital to assets | 9.8987% | 4,144 |
| Core capital (leverage) ratio | 9.5547% | 3,736 |
| Tier 1 risk-based capital ratio | 16.4853% | 2,478 |
| Total risk-based capital ratio | 17.3055% | 2,608 |
| Memoranda: | ||
| Average total assets | $414,999,330 | 1,637 |
| Average earning assets | $390,470,000 | 1,584 |
| Average equity | $40,591,330 | 1,633 |
| Average total loans | $236,359,000 | 1,896 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 6,679 |
| Cost of funding earning assets | 1.3320% | 4,612 |
| Net interest margin | 3.2173% | 6,239 |
| Noninterest income to average assets | 0.3586% | 5,271 |
| Noninterest expense to average assets | 2.2882% | 6,409 |
| Loan and lease loss provision to assets | 0.0582% | 6,070 |
| Net operating income to assets | 0.6599% | 3,613 |
| Return on assets (ROA) | 0.6648% | 3,703 |
| Pretax return on assets | 1.0467% | 2,912 |
| Return on Equity (ROE) | 6.8391% | 3,427 |
| Retained earnings to average equity (ytd only) | 6.8391% | 2,200 |
| Net charge-offs to loans | 0.0051% | 5,544 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 377.3333% | 72 |
| Efficiency ratio | 67.5923% | 4,803 |
| Assets per employee ($millions) | 5.8207% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 7,053 |
| Loan loss allowance to noncurrent loans | 128.6191% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5121% | 6,217 |
| Noncurrent loans to loans | 0.6457% | 6,032 |
| Net loans and leases to total assets | 54.1803% | 6,007 |
| Net loans and leases to deposits | 65.6609% | 5,860 |
| Net loans and leases to core deposits | 73.7849% | 5,519 |
| Total domestic deposits to total assets | 82.5153% | 4,841 |
| Equity capital to assets | 9.6185% | 4,349 |
| Core capital (leverage) ratio | 9.8329% | 3,363 |
| Tier 1 risk-based capital ratio | 16.6246% | 2,403 |
| Total risk-based capital ratio | 17.4191% | 2,536 |
| Memoranda: | ||
| Average total assets | $412,725,000 | 1,689 |
| Average earning assets | $388,274,000 | 1,637 |
| Average equity | $40,122,000 | 1,676 |
| Average total loans | $234,633,000 | 1,962 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9439% | 6,603 |
| Cost of funding earning assets | 1.8300% | 3,837 |
| Net interest margin | 3.1139% | 6,334 |
| Noninterest income to average assets | 0.4987% | 4,423 |
| Noninterest expense to average assets | 2.4951% | 6,147 |
| Loan and lease loss provision to assets | 0.1802% | 5,899 |
| Net operating income to assets | 0.5198% | 3,650 |
| Return on assets (ROA) | 0.4039% | 4,219 |
| Pretax return on assets | 0.5873% | 3,936 |
| Return on Equity (ROE) | 4.1216% | 4,036 |
| Retained earnings to average equity (ytd only) | 3.9854% | 2,419 |
| Net charge-offs to loans | 0.0447% | 6,658 |
| Credit loss provision to net charge-offs | 649.0385% | 452 |
| Earnings coverage of net charge-offs (x) | 33.6923% | 692 |
| Efficiency ratio | 72.7315% | 4,145 |
| Assets per employee ($millions) | 5.5631% | 1,595 |
| Cash dividends to net income (ytd only)* | 3.3047% | 3,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 7,161 |
| Loan loss allowance to noncurrent loans | 114.0854% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 6,014 |
| Noncurrent loans to loans | 0.6916% | 5,853 |
| Net loans and leases to total assets | 58.7331% | 5,530 |
| Net loans and leases to deposits | 69.2492% | 5,693 |
| Net loans and leases to core deposits | 90.1123% | 5,115 |
| Total domestic deposits to total assets | 84.8140% | 3,643 |
| Equity capital to assets | 9.8302% | 3,970 |
| Core capital (leverage) ratio | 9.9294% | 3,160 |
| Tier 1 risk-based capital ratio | 16.2699% | 2,405 |
| Total risk-based capital ratio | 17.0501% | 2,539 |
| Memoranda: | ||
| Average total assets | $374,578,000 | 1,822 |
| Average earning assets | $352,674,200 | 1,771 |
| Average equity | $36,709,400 | 1,832 |
| Average total loans | $232,837,800 | 2,010 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9964% | 6,611 |
| Cost of funding earning assets | 1.9120% | 3,816 |
| Net interest margin | 3.0845% | 6,352 |
| Noninterest income to average assets | 0.4303% | 5,043 |
| Noninterest expense to average assets | 2.5207% | 6,009 |
| Loan and lease loss provision to assets | 0.0561% | 6,807 |
| Net operating income to assets | 0.4964% | 4,003 |
| Return on assets (ROA) | 0.4463% | 4,313 |
| Pretax return on assets | 0.6817% | 3,923 |
| Return on Equity (ROE) | 4.5574% | 4,134 |
| Retained earnings to average equity (ytd only) | 4.5574% | 2,728 |
| Net charge-offs to loans | 0.0023% | 6,959 |
| Credit loss provision to net charge-offs | 3,875.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 562.8386% | 58 |
| Efficiency ratio | 75.5674% | 3,577 |
| Assets per employee ($millions) | 5.4715% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6055% | 7,572 |
| Loan loss allowance to noncurrent loans | 28.6816% | 6,554 |
| Noncurrent assets plus other real estate owned to assets | 1.3023% | 4,478 |
| Noncurrent loans to loans | 2.1112% | 3,494 |
| Net loans and leases to total assets | 61.3095% | 5,360 |
| Net loans and leases to deposits | 71.5296% | 5,729 |
| Net loans and leases to core deposits | 93.8420% | 5,028 |
| Total domestic deposits to total assets | 85.7121% | 2,855 |
| Equity capital to assets | 9.9250% | 4,180 |
| Core capital (leverage) ratio | 9.9912% | 3,294 |
| Tier 1 risk-based capital ratio | 16.2667% | 2,526 |
| Total risk-based capital ratio | 16.8866% | 2,699 |
| Memoranda: | ||
| Average total assets | $368,087,250 | 1,861 |
| Average earning assets | $346,719,500 | 1,815 |
| Average equity | $36,043,250 | 1,887 |
| Average total loans | $231,767,000 | 2,044 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0681% | 6,552 |
| Cost of funding earning assets | 1.9891% | 3,827 |
| Net interest margin | 3.0791% | 6,308 |
| Noninterest income to average assets | 0.4346% | 4,989 |
| Noninterest expense to average assets | 2.4424% | 6,325 |
| Loan and lease loss provision to assets | 0.0498% | 6,733 |
| Net operating income to assets | 0.5442% | 3,910 |
| Return on assets (ROA) | 0.5226% | 4,124 |
| Pretax return on assets | 0.8021% | 3,662 |
| Return on Equity (ROE) | 5.3628% | 3,929 |
| Retained earnings to average equity (ytd only) | 5.3628% | 2,311 |
| Net charge-offs to loans | 0.0009% | 6,622 |
| Credit loss provision to net charge-offs | 9,000.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 1,599.0000% | 15 |
| Efficiency ratio | 73.3988% | 4,127 |
| Assets per employee ($millions) | 5.5904% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6086% | 7,624 |
| Loan loss allowance to noncurrent loans | 61.8708% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6031% | 5,913 |
| Noncurrent loans to loans | 0.9836% | 5,238 |
| Net loans and leases to total assets | 60.5640% | 5,595 |
| Net loans and leases to deposits | 70.9934% | 5,869 |
| Net loans and leases to core deposits | 92.9434% | 5,242 |
| Total domestic deposits to total assets | 85.3094% | 3,102 |
| Equity capital to assets | 9.8516% | 4,148 |
| Core capital (leverage) ratio | 10.1528% | 3,145 |
| Tier 1 risk-based capital ratio | 16.1081% | 2,585 |
| Total risk-based capital ratio | 16.7159% | 2,758 |
| Memoranda: | ||
| Average total assets | $361,291,330 | 1,918 |
| Average earning assets | $339,455,000 | 1,867 |
| Average equity | $35,205,670 | 1,928 |
| Average total loans | $229,148,330 | 2,091 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1773% | 6,387 |
| Cost of funding earning assets | 2.1034% | 3,631 |
| Net interest margin | 3.0739% | 6,274 |
| Noninterest income to average assets | 0.3711% | 5,453 |
| Noninterest expense to average assets | 2.4768% | 5,930 |
| Loan and lease loss provision to assets | 0.0508% | 6,330 |
| Net operating income to assets | 0.4762% | 4,536 |
| Return on assets (ROA) | 0.4681% | 4,763 |
| Pretax return on assets | 0.7105% | 4,398 |
| Return on Equity (ROE) | 4.8314% | 4,538 |
| Retained earnings to average equity (ytd only) | 4.8314% | 3,217 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1971% | 3,455 |
| Assets per employee ($millions) | 5.0722% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5832% | 7,685 |
| Loan loss allowance to noncurrent loans | 71.5045% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5262% | 5,903 |
| Noncurrent loans to loans | 0.8156% | 5,407 |
| Net loans and leases to total assets | 63.6669% | 5,046 |
| Net loans and leases to deposits | 74.0244% | 5,472 |
| Net loans and leases to core deposits | 96.2848% | 4,934 |
| Total domestic deposits to total assets | 86.0080% | 2,717 |
| Equity capital to assets | 9.4692% | 4,709 |
| Core capital (leverage) ratio | 9.9788% | 3,433 |
| Tier 1 risk-based capital ratio | 15.4945% | 2,855 |
| Total risk-based capital ratio | 16.0865% | 3,067 |
| Memoranda: | ||
| Average total assets | $354,657,500 | 1,959 |
| Average earning assets | $332,221,500 | 1,904 |
| Average equity | $34,358,500 | 1,981 |
| Average total loans | $229,604,000 | 2,098 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3976% | 7,463 |
| Cost of funding earning assets | 2.5018% | 4,198 |
| Net interest margin | 2.8958% | 7,162 |
| Noninterest income to average assets | 0.4571% | 4,983 |
| Noninterest expense to average assets | 2.3789% | 6,473 |
| Loan and lease loss provision to assets | 0.0730% | 6,481 |
| Net operating income to assets | 0.4813% | 4,820 |
| Return on assets (ROA) | 0.4445% | 4,797 |
| Pretax return on assets | 0.6656% | 4,501 |
| Return on Equity (ROE) | 4.1202% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.1202% | 2,564 |
| Net charge-offs to loans | -0.0041% | 7,775 |
| Credit loss provision to net charge-offs | -2,722.2222% | 7,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9883% | 3,401 |
| Assets per employee ($millions) | 5.4561% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5687% | 7,730 |
| Loan loss allowance to noncurrent loans | 256.9170% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 6,976 |
| Noncurrent loans to loans | 0.2214% | 6,725 |
| Net loans and leases to total assets | 65.0885% | 5,039 |
| Net loans and leases to deposits | 76.1434% | 5,577 |
| Net loans and leases to core deposits | 97.4288% | 5,107 |
| Total domestic deposits to total assets | 85.4815% | 2,634 |
| Equity capital to assets | 9.9133% | 4,144 |
| Core capital (leverage) ratio | 10.0715% | 3,379 |
| Tier 1 risk-based capital ratio | 14.9985% | 3,047 |
| Total risk-based capital ratio | 15.5523% | 3,314 |
| Memoranda: | ||
| Average total assets | $335,623,200 | 1,990 |
| Average earning assets | $314,693,800 | 1,937 |
| Average equity | $36,211,800 | 1,859 |
| Average total loans | $217,692,200 | 2,152 |